Chase Adds Restrictions to Southwest Consumer Cards

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Chase has added eligibility restrictions to the consumer versions of its Southwest Credit Cards. The new eligibility criteria affect the Southwest Rapid Rewards® Plus Credit Card, and the Southwest Rapid Rewards® Premier Credit Card. The change may make getting the Southwest Companion Pass a little more difficult going forward.

Change To Eligibility Criteria

As of April 5, 2018, you will not be eligible to open a Southwest consumer card if you meet one of the following criteria:

  • You are a current cardholder of a Southwest consumer card; or
  • In the last 24 months, you have received a signup bonus from a Southwest consumer credit card.

The change does not affect the Southwest Rapid Rewards® Premier Business Credit Card, and you can still apply for it if you hold a consumer card. You can also apply for a consumer card if you hold the Southwest Premier Business Card.

What The Change Means

The change will hit those going for the Companion Pass (110,000 miles to qualify) via consumer credit cards signup bonuses the hardest. Before the change, the Companion Pass was relatively easy to get once you had earned the signup bonuses and met the minimum spending requirements. This route is now effectively closed.

Since the new criteria do not apply to the Southwest Rapid Rewards® Premier Business Credit Card, you still have the option of getting the Companion Pass via credit card bonuses and expenditure. Consider shifting your business expenses onto the Southwest Premier Business Card, and keeping your personal expenses on the Southwest Premier Card, or the Southwest Plus Card. This way you can hold and use two Southwest cards and get the benefits and signup bonuses.

Our Take

The latest change adds a new restriction to the Southwest consumer credit cards and makes earning the Companion Pass that little bit harder. Bear in mind the Southwest cards are already subject to Chase’s restrictive 5/24 policy. This change brings the cards in line with other Chase products like the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card which have similar restrictions. The question now is whether Chase will extend this policy to all families with multiple cards? Only time will tell!

Chase Adds Restrictions to Southwest Consumer Cards
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  • deerseason says:

    Glad I got mine this year!

  • Sounds like they felt that this was a loophole that needed to be closed.

    • To be honest, it really is. If they’ll let you get both cards and get the companion pass it’d be silly to walk away from it — this policy just makes sense for the business.

  • I’m not surprised that Chase has done this. As a company I would do it, too.
    I’m all for being for the customer but I wouldn’t want a company to be too out there that they go out of business, if I like their product.

  • The real question is will the double-dip strategy of applying for both on the same day work for these cards the same way it does for the CSR/CSP?

  • Tara Chavez says:

    I messed up my chance for the CP last year, will try again next year once I’m under 5/24 with the business and personal card.

  • Tara Chavez says:

    I totally screwed up my chance for the CP last year, so back to the drawing board for because year and will attempt with the business and the personal

  • A negative change but expected. It’s good that it’s still possible to earn CP through signup bonuses though.

  • It was only a matter of time before they made the companion pass harder to get. I was able to get it twice for myself and once for my wife, best travel deal by far I have come across

  • Sad to see this change. Was hoping to go this route and get CP again.

  • The Chase 5/24 restriction already keeps me away from getting new Chase cards. So this doesn’t really affect me, but thanks for letting us know. Just another nail in the coffin I guess.

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