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Reader Question: When Will the Sign-Up Bonus From a Chase Southwest Card Post to My Account?

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    Sign-up bonuses are a BIG part of getting lots of free travel, so it’s important to know when the miles or points you earn will post to your account.

    This is especially true if you want to use your travel rewards sooner rather than later!

    When Planning to Use Your Miles & Points for Travel, It Helps to Know When You’ll Be Receiving Your Credit Card Sign-Up Bonus!

    Million Mile Secrets reader Nancy asks:

    How long does it take for the sign-up bonus from a Chase Southwest card to post?  I just met the minimum spending requirement for my Chase Southwest credit card, but don’t see the points yet.  Can I book a ticket with cash now, and switch to paying with points later?

    Thanks for writing in, Nancy.  That’s a great question!

    Understanding the Timing of a Credit Card Welcome Bonus

    Typically, the sign-up bonus from a Chase Southwest card will post to your Southwest account after the closing date of the billing cycle in which the minimum spending requirement is completed.

    And while there’s no way to pay for a ticket with cash and then switch to points later (or vice versa), you could book a refundable paid ticket now if you’re concerned about locking-in the flight.  Because Southwest has no change or cancellation fees, you can cancel a paid ticket and re-book with points once the points post to your account.

    BUT … there are a few important things to consider before you proceed.

    Between the time you pay for a ticket and when you receive your bonus points, the ticket price could go up (or down).  So you could end up paying more (or less) by going this route.

    A few other things to keep in mind:

    Why Timing Is Important

    The timing of a bonus important for anyone looking to book an award ticket, but it’s also crucial to understand if you’re trying to qualify for the Southwest Companion Pass.  Because to get the Companion Pass, you need to earn 125,000 qualifying Southwest points in 1 calendar year.  That means January 1 through December 31!  And you’ll have to make sure any points you earn through credit card sign-up bonuses or spending post to your account within the same year.

    Timing When You Earn Southwest Credit Card Bonus Points Is Key to Earning Your Companion Pass in 2018 or 2019

    If you don’t earn all 125,000 Southwest points by the end of the calendar year, you have to start all over again.  So again, timing is everything!

    If you’re interested in earning the Southwest Companion Pass, check out this post.  It answers all of the frequently asked questions about earning and using the pass.

    Chase Southwest Cards

    Link:   Southwest Rapid Rewards® Plus Credit Card

    Link:   Southwest Rapid Rewards® Premier Credit Card

    Link:   Southwest Rapid Rewards® Premier Business Credit Card

    A great way to quickly earn Southwest points is to open a Chase Southwest credit card.  And the simplest method for earning the Companion Pass is to open the Chase Southwest Business card plus one of the Chase Southwest personal cards.

     

    Note:   It’s NO longer possible to have more than one personal Southwest card at the same time.

    Just remember, there are a couple of caveats when applying for Chase Southwest cards:

    Other Ways to Earn Southwest Points

    Link:   Chase Sapphire Preferred Card

    Link:   Chase Sapphire Reserve

    Link:   Chase Ink Business Preferred Credit Card

    You can transfer the Chase Ultimate Rewards points you earn with the Chase Sapphire Preferred, Sapphire Reserve, Ink Business Preferred, and Chase Ink Bold or Ink Plus (no longer available) directly to Southwest at a 1:1 ratio.  But they will NOT count towards the Southwest Companion Pass.

    If you need even more Southwest points, check out Million Mile Secrets contributor Lyn’s post on 10 unusual ways to earn Southwest points!

    Bottom Line

    The welcome bonus from a Chase Southwest card typically posts to your account after the closing date of the billing cycle in which you completed the minimum spend requirement.

    If you want to book a ticket with Southwest points, but they haven’t posted yet, you can book a refundable ticket with cash and take advantage of Southwest’s no change or cancellation fee policy.  Then cancel and re-book with points at a later date.

    Ticket prices change frequently though, so you could end up paying more (or less) for your flight.

    Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)