Chase Adds Restrictions for Earning the Southwest Companion Pass

southwest airlines

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Chase just announced changes to the personal versions of their co-branded credit cards with Southwest Airlines. Effective immediately, you will no longer be able to open a co-branded Southwest credit card if you currently hold one of the Southwest co-branded personal credit cards or you have earned a new cardmember bonus within the last 24 months. This new restriction is quite the blow for earning the Southwest Companion Pass.

There are currently two personal versions of Southwest’s co-branded credit cards, The Southwest Rapid Rewards Premier Credit Card & the Southwest Rapid Rewards Plus Credit Card. You were previously able to be approved for both cards which made earning the Southwest Companion Pass quite simple.

It is important to note that this new restriction does not apply to the Southwest Rapid Rewards Business Credit Card. This means that you can still hold one of the personal cards and be approved for the business card (assuming you have a qualifying business) on your way to earning the Companion Pass.


Our Analysis

I have long thought that the Southwest Companion Pass is one of the best deals out there. For years, Chase and Southwest have made this relatively easy to earn, so it doesn’t come as a surprise that they are adding restrictions to this.

This is also the same restriction Chase added for their Sapphire branded family of credit cards. If you hold either the Chase Sapphire Preferred or the Chase Sapphire Reserve credit cards, you will not be able to be approved for the other one. You will also not be able to earn a sign-up bonus if you have earned one from the Sapphire family within the past 24 months.


Bottom Line

The Southwest Companion Pass is one of the best deals around. This new restriction makes earning the pass less attainable for many people unless they are eligible to hold a business card. It is also worth noting that all three Southwest Airlines co-branded credit cards are impacted by Chase’s 5/24 rule. Through 5/24 and these new restrictions, earning the pass just got a little more difficult.


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H/T: The Points Guy

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