Despite Southwest being in the news recently for its big, negative changes, the airline's suite of co-branded credit cards is still worth your attention … maybe now, more than ever. 

Carrying a co-branded card will soon be the easiest way to get a free checked bag when flying with Southwest and with the current offers, you can earn 100,000 Rapid Rewards points after you spend $4,000 in the first five months of card membership … no matter the card you choose.

Better yet, the sign-up bonus from any of these cards will count toward the 135,000 points needed to qualify for the Southwest Companion Pass. What's the Southwest Companion Pass? Oh, just one of the best deals in all of travel – and the timing of these bigger bonuses could allow you to earn it for nearly two full years – more on that later.

With the Southwest Companion Pass, you get to choose one person to fly free with you every time you buy a flight or redeem Southwest Rapid Rewards points. No blackout dates and no questions asked: If the flight is bookable, you can add your companion. Considering you get another 10,000 Companion Pass-qualifying points just for having a Southwest Card, you'd only need an additional 25,000 points to unlock more than a year of BOGO flights with Southwest.

Beyond the bonus points and opportunity to get close to a coveted Companion Pass, these cards come with other benefits like anniversary bonus points, early bird check-ins, upgraded boardings, and a discount on in-flight purchases.

Keep reading for everything you need to know about these Southwest credit card offers.

 

The Southwest Rapid Rewards® Plus Credit Card

  • bonus_miles_full
  • Anniversary Bonus: On your cardmember anniversary, you will receive 3,000 Rapid Rewards points each year.
  • Earn 2x Rapid Rewards Points per dollar spent on Southwest Airlines purchases.
  • New! Earn 2x Rapid Rewards Points on first $5,000 in combined spend at gas stations and grocery stores each anniversary year
  • Ending Soon! Earn 2x Rapid Rewards for every $1 you spend on Rapid Rewards hotel and car rental partners. This bonus category is going away effective Dec. 31, 2025!
  • Ending Soon! Earn 2x Rapid Rewards Points per dollar spent on local transit and commuting purchases – including rideshares like Uber and Lyft – as well as internet, cable, phone services, and select streaming purchases. This bonus category is going away effective Dec. 31, 2025!
  • Earn 1x Rapid Rewards Points per dollar on all other spending on the card.
  • New! 10% Flight discount: Receive a 10% promo code each year on your cardmember anniversary (excludes basic fares).
  • New! Boarding benefit: Cardmembers and up to eight passengers on the same reservation will board with Group 5 giving them earlier access to overhead bins.
  • New! Free checked bag: Cardmembers and up to eight additional passengers on the same reservation can check their first bag for free.
  • New! Complimentary seat selection: Select a Standard seat within 48 hours of departure, when available.
  • New! No foreign transaction fees
  • Increased! Annual Fee: $99 (was $69)

 

*sw plus*

 

Learn more about the *sw plus*.

 

The Southwest Rapid Rewards® Premier Credit Card

  • bonus_miles_full
  • Anniversary Bonus: Each year, on your cardmember anniversary, you will receive 6,000 Rapid Rewards points.
  • Earn 3x Rapid Rewards Points per dollar spent on Southwest Airlines purchases.
  • New! Earn 2x Rapid Rewards Points on first $8,000 in combined spend at restaurants and grocery stores each anniversary year
  • Ending Soon! Earn 2x Rapid Rewards per dollar spent on Rapid Rewards hotel and car rental partners. This bonus category is going away effective Dec. 31, 2025!
  • Ending Soon! Earn 2x Rapid Rewards Points per dollar spent on local transit and commuting purchases – including rideshares like Uber and Lyft – as well as internet, cable, phone services, and select streaming purchases. This bonus category is going away effective Dec. 31, 2025!
  • Earn 1x Rapid Rewards Points per dollar on all other spending on the card.
  • Ending Soon! Get 2 EarlyBird check-in® each year. This benefit is going away effective Dec. 31, 2025!
  • New! Spend your way to A-List status: Earn 1,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.
  • New! 15% Flight discount: Receive a 10% promo code each year on your cardmember anniversary (excludes basic fares).
  • New! Boarding benefit: Cardmembers and up to eight passengers on the same reservation will board with Group 5 giving them earlier access to overhead bins.
  • New! Free checked bag: Cardmembers and up to eight additional passengers on the same reservation can check their first bag for free.
  • New! Complimentary seat selection: Select a Standard or Preferred seat within 48 hours of departure, when available.
  • No foreign transaction fees
  • Increased! Annual Fee: $149 (was $99)

 

Southwest Rapid Rewards Premier Credit Card

 

Learn more about the Southwest Rapid Rewards® Premier Credit Card (for full disclosure, this is not an affiliate link).

 

The Southwest Rapid Rewards® Priority Credit Card

  • bonus_miles_full
  • Anniversary Bonus: On your cardmember anniversary, you will receive 7,500 Rapid Rewards points each year.
  • New! Earn 4x Rapid Rewards Points (was 3x) per dollar spent on Southwest Airlines purchases.
  • New! Earn 2x Rapid Rewards Points per dollar spent at gas stations and restaurants each anniversary year.
  • Ending Soon! Earn 2x Rapid Rewards per dollar spent on Rapid Rewards hotel and car rental partners. This bonus category is going away effective Dec. 31, 2025!
  • Ending Soon! Earn 2x Rapid Rewards Points per dollar spent on local transit and commuting purchases – including rideshares like Uber and Lyft – as well as internet, cable, phone services, and select streaming purchases. This bonus category is going away effective Dec. 31, 2025!
  • Earn 1x Rapid Rewards Points per dollar on all other spending on the card.
  • Ending Soon! 4 Upgraded Boardings each year when available for 2025 flights. This benefit is going away effective Dec. 31, 2025!
  • New! Spend your way to A-List status: Earn 2,500 tier qualifying points (TQPs) toward A-List status for every $5,000 spent in purchases annually accelerating your way to A-List status.
  • New! Boarding benefit: Cardmembers and up to eight passengers on the same reservation will board with Group 5 giving them earlier access to overhead bins.
  • New! Free checked bag: Cardmembers and up to eight additional passengers on the same reservation can check their first bag for free.
  • New! Complimentary Preferred seat selection: Enjoy unlimited upgrades to an Extra Legroom seat within 48 hours of departure, when available.
  • No foreign transaction fees
  • Increased! Annual Fee: $229 (was $149)

 

*sw priority*

 

Learn more about the *sw priority*.

 

Easy Path to BOGO Flights 

These bigger 100,000-point bonus offers are no doubt exciting, even with the fee increase. Beyond the value of all those Rapid Rewards points – well over $1,000 towards flights – these big bonuses could help you earn nearly two years of BOGO flights with Southwest's Companion Pass.

What's the Southwest Companion Pass? Oh, just one of the best deals in all of travel (yes, even after Southwest's nasty changes) – and the timing of these bigger bonuses couldn't be better. Typically, the Southwest Companion Pass requires you to earn 135,000 qualifying Southwest Rapid Rewards points … or fly 100 one-way revenue flights in a calendar year.

Thankfully, Rapid Rewards points earned through a sign-up bonus count towards the Companion Pass, meaning you'd only need to earn an additional 35,000 points by the end of the year. But it's even less than that: Since all Southwest credit cardholders get a 10,000-point Companion Pass boost just for having a card, you'll really only need to earn an additional 25,000 points to get that coveted Companion Pass.

The key here is timing … and patience.

Once you earn all the points you need, you get your Companion Pass for the rest of the year and the entire following year. That means if you completed the minimum spending requirement at the tail end of the five months Southwest is giving you … your bonus would hit early next year, leaving you just 25,000 points shy of your goal

 

southwest credit cards

 

Since this bigger bonus is slated to run through Sept. 17, you'll want to hold off on applying for a month or so. With careful planning, you could get within a few dollars before the end of the year and then make a smaller purchase right away in 2026 to finish it out. Taking this route, you'd be setting your self up for nearly two full years of BOGO flights! 

Just be careful not to spend the full $4,000 needed until next year. If you earn your bonus in 2025, you'd still be within striking distance of earning the Companion Pass, but you'd only get to enjoy it for a year and change. 

 

southwest status

 

Unfortunately, you can't simply open a second Southwest personal card to get the remaining points – Chase only allows you to hold one version of their personal cards at a time. And you can't simply cancel one card and open another, either: Timing and restrictions on how often you can earn bonuses mean that won't work.

But you can easily bridge this gap with the *SW Rapid Rewards Premier Biz* and its current offer: bonus_miles_full

Worried about whether or not you'll qualify for a business credit cardYou might be surprised to learn just what the banks consider a small business. Odds are if you've got any sort of side hustle, do consulting work, or even just buy and sell items on eBay or Facebook Marketplace, your business would qualify.

Otherwise, you could earn the remaining points you need the harder way: Simply flying with Southwest. You'll earn at least 2x points for every $1 you spend on the cheapest Southwest “Basic” fares or up to 14x points on the priciest Business Select tickets. But you'll need to do that flying as early as possible in 2026 to get maximum value out of your Companion Pass. 

Finally, you'll also earn more Companion Pass points (and Rapid Rewards) for every $1 you spend on your Southwest credit card. If you're a big spender or have major purchase like a home renovation slated for early 2026, it wouldn't take more than a few months to earn the remaining points needed.

If you don't go with the tandem of a business Southwest card, some combination of earning this big bonus, spending more on your card, and flying with Southwest could be enough to get you a Companion Pass for nearly two full years.

 

Pair with a Chase Sapphire Preferred or Sapphire Reserve

All three of these Southwest credit cards make great companions to either the *csr* or the *csp*. That’s because Chase Ultimate Rewards points can be transferred to your Southwest Rapid Rewards account on a 1:1 basis, meaning 1,000 Chase points get you 1,000 Southwest Rapid Reward points. And those transfers are instant.

 

*csp*

 

Learn more about the *csp*.

 

*csr*

 

Learn more about the *csr*.

 

Bottom Line

Chase and Southwest are out with bonus offers to earn 100,000 Rapid Rewards points after you spend $4,000 in the first five months of card membership on any of the Southwest personal credit cards.

What's more, these big bonuses count toward the 135,000 points needed to earn Southwest's coveted Companion Pass … clearing an easy(ish) path to nearly two years of BOGO flights.