Southwest Fast Rewards® Plus Credit score Card Assessment (2025.10 Replace: 85k Provide)

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2025.10 Replace: The brand new provide is 85k.

2025.9 Replace: The upper provide is expired. At present there’s solely a 50k provide.

2025.7 Replace: This card is totally renewed, and the annual payment is elevated from $69 to $99. The welcome provide is elevated to 100k, which is one of the best ever provide on this card. The brand new advantages are marked with [New] beneath.

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Advantages

1. 85k provide: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The latest greatest provide is 100k.
2. We worth Southwest Miles at 1.3 cents/level (Airline Miles Worth), so the 100k highest provide is value about $1,300. See A Newbie’s Information to Southwest Miles for particulars about Southwest Miles.
3. [New] Earn 2x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at fuel stations and grocery shops on the primary $5,000 in mixed purchases per anniversary 12 months; Earn 1x mile per greenback spent on all different purchases.
4. Obtain 3,000 Southwest Miles yearly in your Cardmember anniversary.
5. [New] First checked bag free. Cardmembers and as much as 8 extra passengers in the identical reservation can verify their first bag at no extra value.
6. [New] Commonplace Seat Choice inside 48 hours previous to departure, when out there. If you happen to don’t have a co-branded bank card or elite standing, the bottom fare on Southwest solely lets you choose your seat at check-in.
7. [New] Cardmembers and as much as 8 passengers in the identical reservation will board with Group 5.
8. [New]  Obtain a ten% promo code every year in your cardmember anniversary (Excludes Primary fare).
9. 2 EarlyBird Verify-In per 12 months. [New] This profit will finish on Dec 31, 2025.
10. 25% again on in-flight purchases.
11. If you happen to earn 125k Southwest miles in a 12 months, you get the Southwest companion go certificates which is legitimate till the tip of subsequent calendar 12 months!
12. [New] 10,000 companion Cross qualifying factors increase every year.
13. [New] No international transaction payment.
14. Refer a buddy (focused): You possibly can earn 5,000 bonus Southwest miles for each authorized account you refer, as much as a most of 10 authorized referrals (50,000 Southwest miles) per calendar 12 months.

Disadvantages

1. [New] Annual payment $99, not waived first 12 months.
2. Southwest doesn’t have airways companions, so the miles can solely be redeemed for flights on Southwest Airways itself. Southwest solely flies domestically inside the USA and to/from Mexico, Central America, and the Caribbean.

Beneficial Software Time

1. [5/24 Rule] When you have 5 or extra new accounts opened prior to now 24 months, Chase won’t approve your utility for this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts open over 24 months, not solely Chase accounts. See this put up for particulars about easy methods to presumably bypass this rule.
2. This product is offered to you should you wouldn’t have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card prior to now 24 months. Word that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
3. Don’t apply for greater than 2 Chase bank cards inside 30 days.
4. We suggest you to use for this card after you could have a credit score historical past of greater than a 12 months.

Abstract

The welcome bonus is strong. When the bonuses are at their peak, making use of for one private and one enterprise Southwest card collectively can earn you over 125k Southwest factors—sufficient to unlock the Companion Cross straight away. (Word: You possibly can now not apply for 2 private Southwest playing cards inside the identical 12 months.) If you happen to solely apply for a private card and skip the enterprise card, it’s really fairly arduous to earn the Companion Cross. Because the Companion Cross is legitimate for the rest of the 12 months you earn it plus the complete following 12 months, making use of early within the calendar 12 months provides you the longest doable validity. So should you’re eyeing Southwest, the start of the 12 months is one of the best time to go for it.

At present, you may solely maintain one of many three private Southwest playing cards. If you happen to don’t fly Southwest typically and are simply in it for the signup bonus, the Southwest Plus card—with the bottom annual payment—is your greatest guess.

After the 2025 refresh and annual payment will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in protecting these playing cards. They’re largely simply good for the welcome bonus.

Associated Credit score Playing cards

The present phrases pressure you to decide on just one private Southwest bank card among the many three. However you may have each private and enterprise playing cards.

Beneficial Downgrade Choices

• You cannot downgrade this card to any card with no annual payment, so I recommend you shut it once you don’t wish to hold it any longer.

After Making use of

• Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the response from the automated line will likely be one of many following: Obtain determination in 2 weeks means your utility might be authorized; Obtain determination in 7-10 days means your utility might be rejected; Obtain determination in 30 days merely means your utility requires additional evaluation and there’s nothing to inform you for now. Word that is all anecdotal, and your utility might swap from one standing to a different all through the appliance course of.
• Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it should you didn’t get instantly authorized.

Historic Gives Chart

Word: Typically there’s 50k+50k provide on this card. However the spending requirement for the latter 50k is large, so we don’t deal with them as sign-up bonus, we deal with them as spending bonus as an alternative.

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