Best-Ever 100K Point Offers on Southwest Personal Cards End December 7th

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Time is running out to take advantage of record-setting welcome offers on all three consumer Southwest credit cards. New account holders can earn up to 100,000 points—far eclipsing the previous high-water mark of 80,000 points offered in early 2020. But don't delay. The last day to apply for this bonus will be December 7, 2021.

This is an exceptional offer and comes at the perfect time to earn Southwest's coveted Companion Pass benefit through the end of 2023. But even if you don't plan on pursuing a Companion Pass, next year may turn out to be one of the best times ever to be sitting on a large balance of Southwest Rapid Rewards.

Here's a quick overview of the offers, how to maximize your time with the Companion Pass, and why Southwest points might be more valuable than usual in 2022.

Earn up to 100,000 Bonus Southwest Points

Chase issues a total of five co-brand Southwest credit cards: 3 consumer cards and 2 business cards. All 3 consumer Southwest cards currently sport the same record sign-up bonus, but each card features different benefits and annual fees.

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Annual Fee$149
Welcome Bonus Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • 7,500 anniversary points each year.
  • Now enjoy more benefits and more ways to earn.
  • NEW! Earn 3X points on Southwest® purchases.
  • NEW! Earn 2X points on local transit and commuting, including rideshare.
  • NEW! Earn 2X points on internet, cable, phone services, and select streaming.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 3X points per $1 spent on all Southwest® purchases
  • 2X points per $1 spent on all Rapid Rewards® Hotel and Car Rental Partner purchases
  • 2X points per $1 spent on local transit and commuting, including rideshare
  • 2X points per $1 spent on internet, cable, phone services, and select streaming services
  • 1X point per $1 spent on all other purchases

Southwest Rapid Rewards® Premier Credit Card
Southwest Rapid Rewards® Premier Credit Card
Annual Fee$99
Welcome Bonus Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Now enjoy more benefits and more ways to earn.
  • 6,000 anniversary points each year.
  • NEW! Earn 3X points on Southwest® purchases.
  • NEW! Earn 2X points on local transit and commuting, including rideshare.
  • NEW! Earn 2X points on internet, cable, phone services, and select streaming.
  • NEW! 2 EarlyBird Check-In® each year.
  • All points earned count towards Companion Pass®.
  • 3X points per $1 spent on all Southwest® purchases
  • 2X points per $1 spent on all Rapid Rewards® Hotel and Car Rental Partner purchases
  • 2X points per $1 spent on local transit and commuting, including rideshare
  • 2X points per $1 spent on internet, cable, phone services, and select streaming services
  • 1X point per $1 spent on all other purchases

Southwest Rapid Rewards® Plus Credit Card
Southwest Rapid Rewards® Plus Credit Card
Annual Fee$69
Welcome Bonus Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Now enjoy more benefits and more ways to earn.
  • 3,000 anniversary points each year.
  • Earn 2X points on Southwest® purchases.
  • NEW! Earn 2X points on local transit and commuting, including rideshare.
  • NEW! Earn 2X points on internet, cable, phone services, and select streaming.
  • NEW! 2 EarlyBird Check-In® each year
  • All points earned count towards Companion Pass®.
  • 2X points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 2X points per $1 spent on local transit and commuting, including rideshare
  • 2X points per $1 spent on internet, cable, phone services, and select streaming services
  • 1X point per $1 spent on all other purchases

The standard offer on the consumer Southwest cards typically sits at 40,000 points. So, the increased offer can net new cardholders an additional 60,000 Rapid Rewards points. If you value Rapid Rewards points at ~1.4¢ per point, you'll get around $1,400 in value from the welcome bonus on any one of these Southwest credit cards.

Why Southwest Points Are Especially Useful for 2022

Barring a major setback, 2022 should be a record year for travel—especially on domestic and short-haul, international trips to destinations like Mexico, Central America, and the Caribbean. That's great news for everyone who has delayed or canceled non-essential travel during the past 2 years. But all that pent-up demand is likely to make 2022 one of the worst years ever for using traditional frequent-flyer miles on these types of flights.

Southwest has a great route network for the regions many are keen to visit. But, more importantly, Rapid Rewards members don't have to deal with the same headaches as those with American, Delta, and United miles.

That's because Southwest has no blackout dates. If you can buy a Southwest flight with money, you can always redeem Rapid Rewards points. Other frequent-flyer programs have started moving in the same direction as Southwest (at least for domestic flights). But you'll still run into situations where you can't use other types of airline miles when demand is high—or the mileage price is so high that you won't want to!

Plus, Southwest makes it easy and free to cancel or change an award ticket—anytime up to 10 minutes before departure. So, you'll never have to worry about losing your points if you have to make a last-minute change.

How to Earn a Companion Pass for Nearly Two Full Years

For those who aren't familiar, the Southwest Companion Pass allows you to take a companion with you on Southwest flights for only the cost of taxes and fees (starting at $5.60 for travel within the U.S.). In short, the Southwest Companion Pass gets you two flights for the price of one for as long as your pass is valid.

To earn this valuable benefit, you usually need to earn 125,000 Rapid Rewards points in a calendar year. And the good news is that any points earned from a new cardmember bonus or spending on a Southwest credit card count towards that total.

Now, here's the most important thing to know: The Companion Pass is valid for the rest of the year in which you qualify—plus the entire year after. So, any credit-card bonus points you earn on or after January 1, 2022 will count toward earning the perk for the remainder of 2022 and all of 2023.

If you maximize the current offers of up to 100,000 points, you'll be almost 90% of the way to Companion Pass without taking a single Southwest flight.

  • Earn 50,000 points after spending $2,000 in the first 3 months of card membership
  • Earn 50,000 additional points after spending $12,000 in the first 12 months of card membership.

Since each Southwest card earns at least one point per dollar spent, you'll have a minimum of 52,000 points after earning the first part of the bonus. Plus, you'll earn an additional 60,000 points completing the second part of the bonus. That's 112,000 points out of the 125,000 you need!

The key to executing this strategy is to ensure you don't reach the first $2,000 in spending until after New Year's Day. Once you've cleared that hurdle, just keep using your new card until you trigger the second part of your bonus.

Related:

Which Southwest Card Provides the Most Value?

Without a doubt, the card with the highest long-term value is the Southwest Rapid Rewards® Priority Credit Card. That's because two of its perks easily cover the $149 annual fee if you fly with Southwest a few times each year—and that shouldn't be too hard once you earn 100,000 bonus Rapid Rewards points!

Benefits include:

  • $75 annual Southwest travel credit
  • 7,500-anniversary points each year
  • Four upgraded boardings per year
  • 25% back on in-flight purchases

The Rapid Rewards program bases the number of points you need for a flight on the cash price of airfare. The value per point can fluctuate, but you can expect to save 1.3-1.5¢ off Southwest flights when you use points. For example, here's the same flight from Austin to New York, priced in cash and points. After factoring in the $5.60 security fee on the award flight, you save $137+ by using 9,248 points. That's 1.48 cents per point.

southwest-AUS-LGA-points-cash

Each year when you renew your Southwest Priority Card account, you'll receive 7,500 bonus points. Those points alone are worth between $98 and $113.

The second key benefit is the $75 annual Southwest travel credit. You'll get this credit on your statement after using your card to pay for a Southwest flight. With those two perks combined, you're getting at least $173 in value. That's significantly more than the $149 annual fee.

And that's before factoring in the upgraded boardings or 25% discount on in-flight purchases. You can catch our in-depth review of the Southwest Priority Card here.

That said, the Southwest Rapid Rewards® Plus Credit Card is a great alternative (with the same huge bonus) if you're looking for a card with a modest annual fee.

Southwest Card Application Restrictions

Like all Chase rewards cards, the Southwest credit cards are subject to Chase's 5/24 policy. In short, you won't be approved for a new Chase card if you've opened five or more personal credit cards in the past two years.

In addition to Chase's 5/24 policy, you won't qualify for a new (personal) card if you currently hold a Southwest personal card or you've received a signup bonus on one in the previous 24 months.

Here are the application restrictions for personal Southwest credit cards:

The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products.

Final Thoughts

If your travel plans for 2022 and beyond include destinations in Southwest's extensive route network, Rapid Rewards points are a great choice. With no blackout dates, you'll avoid the stress of trying to find flights you can book with points when everyone else is chasing a limited number of award seats on the other U.S. airlines.

If your plans change, you can cancel or modify award flights without paying a fee. And you'll never have to worry about your points expiring—even if it takes longer than expected to get that trip back on the calendar. You'll also save a bundle thanks to Southwest's industry-leading policy of two free checked bags for every passenger.

Best of all, if you can turn this bonus into a Companion Pass in 2022, you'll be booking two flights for the price of one through the end of 2023!

Southwest Rapid Rewards® Priority Credit Card
Southwest Rapid Rewards® Priority Credit Card
Annual Fee$149
Welcome Bonus Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • Our best points offer ever! Earn up to 100,000 bonus points. Earn 50,000 bonus points after spending $2,000 on purchases in the first 3 months your account is open, plus 50,000 more bonus points after spending $12,000 total on purchases in the first 12 months.
  • 7,500 anniversary points each year.
  • Now enjoy more benefits and more ways to earn.
  • NEW! Earn 3X points on Southwest® purchases.
  • NEW! Earn 2X points on local transit and commuting, including rideshare.
  • NEW! Earn 2X points on internet, cable, phone services, and select streaming.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 3X points per $1 spent on all Southwest® purchases
  • 2X points per $1 spent on all Rapid Rewards® Hotel and Car Rental Partner purchases
  • 2X points per $1 spent on local transit and commuting, including rideshare
  • 2X points per $1 spent on internet, cable, phone services, and select streaming services
  • 1X point per $1 spent on all other purchases

Are you planning to take advantage of one of these all-time-high Southwest bonuses?

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Comments

  • I like Southwest, sure they have their flaws but I think and they are loyalty programme offer a lot of good

  • Excellent offer, I have just applied for this really good card

  • If I spend $5,000 in December 2021 after getting my first Southwest card and my closing date is the third week of December, but I wait to pay the bill until January 2022 will the points be credited in 2022 towards the companion pass since you don’t receive the points until your bill is paid?

    • Mark – the date when you pay the bill doesn’t have any bearing on when the points post. The points from Chase co-branded cards typically post within 48 hours of your statement date. So, whenever you finish the spending requirements, when that statement period ends & the bill posts, you should get your points within 48hr of that. Thus, if you don’t want the points to post until a certain time, don’t do the spending before that. Many people ruin their Companion Pass plans this way every year.

  • Have you heard of any DPs of people getting the first 50k points awarded before the statement close date? I understand being cautious and waiting until after Jan 1 to hit the $2k spend just in case, but is there really a likelihood they will seats you points mid-December if your next statement close date isn’t until January? Property taxes are due 12/10 and would be an easy way to eat a big chunk of that $12k.

    • Alex G – I’m sure there are some data points on this. They would be a minority, but I won’t claim it doesn’t exist. Data points on people ruining their Companion Pass plans abound, due to passing spending thresholds at a time they didn’t really want to earn a chunk of points. If your statement closes after New Year, then in theory your points would post after the statement closes. But what if it doesn’t? You’re risking approximately 23 months of Companion Pass, so consider your risk tolerance here.

  • This is a super helpful article. My timing is a bit off as I took advantage of one of their offers about 18 months ago. Hopefully they will offer this one again!

  • Great time to get the 100k bonus on southwest and have a lot of flights for next year!

  • The secret not mentioned in this post is to sign up for a personal card + a Business card (80K mile offer with $5K spend). This way with only $7K spend you get 50K bonus + 80k bonus = enough for the companion pass. Then you can get the additional 50K on the personal card but have 1 year to charge the additional $10K. You don’t have to have a big business. Selling on ebay qualifies. 🙂

    • tlc – I agree with this strategy, but one caveat to this: there is a “family of cards” restriction on the Southwest personal credit cards. You cannot open a SW personal card if you have one currently open, and you cannot earn a bonus from the welcome offer within 24 months across the personal cards. That means even if you got the welcome bonus on the Southwest Plus, you can’t get a welcome offer bonus on the SW Premier or SW Priority within the next 24 months. So make sure to take that “family of cards” 24 months into consideration when planning. 🙂

  • I’m so happy for this new promo. My hubby got approved for the 50k SWA Plus card after spending $2k. He was not initially approved. It said it had to think about it. But we called the reconsideration line and also cancelled a IHG MC Chase backed card to free up space. Ironically, they sent a letter saying they dropped his Chase Marriott credit limit from $41k to $21k. So silly that his limit was that high since he doesn’t charge a lot to that card. Oh well. All good now. Companion Pass in early 2022 here he comes!

  • Biggest offer I remember from Chase on a Southwest card….spend 25K over the course of a calendar year and you can get a companion pass….one of the best deals in the points and miles game. We’ve same tens of thousands of points and hundreds of dollars using a companion pass this past year….it’s a fantastic deal and really helps you stretch your travel dollars and points!

  • This is my third try. Apologies for any duplicate posts. I do currently have a personal Southwest Rapid Reward card–BUT–what if I sign up for a Business Reward Card? Might I still qualify for the 100K bonus? I am focusing on this language: This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. Might there be someone either at Southwest or Chase with whom I can speak before I commit and commit (a mistake)?

    • You are eligible for a SW business card that you don’t already have, regardless of whether you have a personal card too. However the business cards don’t have a 100K bonus at the moment. If you apply for a business card, you’ll get the bonus being advertised for that card.

  • Southwest may be a fixed-point value program, but because they don’t operate long-haul flights, there’s still quite a bit of value.

  • My husband applied for Plus card and got the “we’ll think about it” response. His credit is 822 and he hasn’t had a new credit card in a long time (2 plus years).

  • Stephen Olvido says:

    To get the Southwest Companion Pass (after earning at least 112,000 points from the personal card bonuses & regular earnings), can someone with a business get the remaining 13,000 points (to reach the 125,000 qualifying points) by applying for 1 of the 2 business cards?

  • If you qualify for this card, it is a no brainer to just go for it.

  • Harvey Kwan says:

    Companion pass is one of the most valuable perks in the travel hacking world.

  • When do these offers expire? Current working on some other spend and probably won’t get these till the fofer get closer to expiring.

  • The great thing about swa credit cards is that the annual bonus given every year pretty much covers the annual fee

  • Generous promotional offer and SouthWest is a pretty good airline overall. Hopefully, I can get get this card from Chase.

  • So if I understand this correctly, if one wants to qualify for the companion pass starting in 2022, you need to wait to put the entire $12000 in spend on the card in December or January so that the statement closing date for the entire spend is in 2022. Assuming this is correct, one is still left with the need to earn another 13000 points to earn the pass. That’s an awful lot of flights unless you fly SWA regularly for business travel (and many companies require you to pay for flights with their credit card).. Or it’s another $13000 to spend on the card, i.e., a total of $25000 spend without taking flights. These options doesn’t seem realistic for most folks, especially if one is trying to get something close to 2 years of the pass. Any suggestions for alternatives? Thanks much.

    • You should wait until January to cross $2k to make sure you don’t get the first 50k points before 2022. Assuming you get close to 2k in December, that leaves 10k to spend in 2022 for the full bonus.

      If you don’t expect to hit the remainder of the points through spend on your card or flights, you might consider a Sw biz card.

      No matter how you slice it, this does require significant spend with only a personal card. But it’s worth the effort of you can make it.

  • Great time to sign up for these 100k bonuses from Southwest as long as they don’t continue to have problems!

  • Big spend to get the full bonus but these cards also come with other benefits worth the annual fee + if you fly southwest.

  • I just do not use Southwest. I am going to one day fly them but they’re not convenient to me. I think Chase is being smart with how they are handing out the bonus miles. Earning some at a smaller amount of charging and then keeping a customer charging by having them get more bonus miles for 12mons is smart. I have seen this before from them and somewhere else too.

  • That’s a hell of a spending target for the SUB, but having a year to meet it softens the blow I guess. That said, that spend could be used to meet the targets on other cards. hmmm.

  • As a MAJOR bank, Chase probably offers most Airline-branded credit cards.

  • jallen44@att.net says:

    Our 3 bureau credit accounts, Experian, Equifax and TransUnion are frozen which will keep any new accounts from being opened.

    If I apply for a new southwest chase credit card, will I have to unfreeze all three? Or can I just unfreeze one?

    My credit is rock solid.

  • Recent SW flights cancellation makes it a deal killer.

  • Divinilio Manalang says:

    Hello,
    I currently have a Chase SW Rapid Rewards PREMIER credit card. Can I cancel my card and then apply for a new Chase SW Rapid Rewards PRIORITY card to avail of the 100,000 points bonus? I have not received any sign up bonus within the last 24 months. Please advise. Thank you. Dave.

    • Yes, as long as you are outside of 24 months, you are eligible for a personal card (and bonus) as soon as Chase’s system reflects that you don’t currently have a personal Southwest card.

  • 12K is a whole lot of spend for one CC. I also think that you need to remind people that Southwest isn’t an airline for everyone. I have to drive 160+ miles to get to an airport that Southwest serves. Consequently I hardly ever look at Southwest flights.

  • I see now that at least 100,000 bonus points is becoming the standard in the market