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Yes! Just Got Approved for My First Personal Chase Credit Card in Nearly 3 Years – Southwest Companion Pass Here I Come!

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Yes! Just Got Approved for My First Personal Chase Credit Card in Nearly 3 Years – Southwest Companion Pass Here I Come!

Jasmin BaronYes! Just Got Approved for My First Personal Chase Credit Card in Nearly 3 Years – Southwest Companion Pass Here I Come!Million Mile Secrets Team

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Squee!  I’m so excited – after holding off on applying for personal Chase cards for almost 3 years, I finally pulled the trigger on what’s shaping up to be the best Chase credit card offer this year.  Instant approval!

For a limited time until February 11, 2019, all 3 Chase Southwest personal credit cards are offering a promotional Southwest Companion Pass (valid until December 31, 2019) AND 30,000 Southwest points after spending $4,000 on purchases in the first 3 months of account opening:

While the points are great and all (they’re worth ~$450 in travel and double that if you use your Companion Pass), earning a Southwest Companion Pass from just one Chase credit card is an incredible deal.  With the Southwest Companion Pass, a friend or family member flies with you for nearly free on paid and award tickets (just pay taxes and fees, usually ~$6 one-way on domestic flights).  It’s a massive savings.

The Kids and I LOVE Southwest! And Now That I’ll Earn the Southwest Companion Pass From Just One Chase Credit Card, We’re Ecstatic About the Travel Possibilities It Will Bring

So which Southwest Chase credit card did I get?  Let’s just say it’s not the one I originally planned. 🙂

Approved!  One Chase Credit Card = Unlimited Southwest Companion Pass Travel Until the End of 2019

Apply Here:   Southwest Rapid Rewards® Premier Credit Card

Read our review of the Chase Southwest Premier card

 

Apply Here:   Southwest Rapid Rewards® Plus Credit Card

Read our review of the Chase Southwest Plus card

 

Apply Here:   Southwest Rapid Rewards® Priority Credit Card

Read our review of the Chase Southwest Priority card

 

The Southwest Companion Pass is, hands down, the best deal in travel.  Having a friend or family member fly with you for nearly free an unlimited number of times while your pass is active is an incredible opportunity.

All 3 Southwest personal cards – the Southwest Rapid Rewards Plus Credit Card, Southwest Rapid Rewards Premier Credit Card, and Southwest Rapid Rewards Priority Credit Card currently come with 30,000 Southwest points AND a promotional Southwest Companion Pass (valid until December 31, 2019) after spending $4,000 on purchases in the first 3 months of account opening.  But only until February 11, 2019 (just 2 weeks away).

Normally, to qualify for the Southwest Companion Pass, you’d need to earn 110,000 Southwest points in a calendar year.  This deal is an absolute fast track!

Note:   These cards are subject to the Chase 5/24 rule, so if you’re opened 5+ cards from any bank (not including certain small business cards) in the past 24 months, you won’t be approved.  You’re also not eligible if you already have a personal Southwest card open, or received the bonus on one in the past 24 months.  However, you are eligible if you have or have had the Southwest Rapid Rewards® Premier Business Credit Card, which has a different offer.

I ended up applying for the Southwest Rapid Rewards Priority Credit Card – and was instantly approved (despite being a little nervous given that I already have 6 Chase credit cards).

No Fuss! I Was Instantly Approved for the Chase Southwest Priority Credit Card – Easy Peasy

Originally, I’d intended to apply for the Southwest Rapid Rewards Plus Credit Card, because it has the lowest annual fee ($69) of the Chase Southwest personal cards.  The Southwest Rapid Rewards Premier Credit Card clocks in at $99 per year, and the Southwest Rapid Rewards Priority Credit Card costs $149 per year.

So why’d I choose the Southwest Rapid Rewards Priority Credit Card, with the highest annual fee, over the others?

When I wrote about my new credit card strategy now that I’m well below 5/24, Million Mile Secrets reader Paul B commented with an excellent point:

Instead of the Southwest Rapid Rewards Plus, why not get the Southwest Rapid Rewards Priority?  The annual fee is $149, instead of $69.  However, the Priority card gives you a $75 travel credit, making the real difference only $5 ($149 – $75 = $74).  For that $5 you get 7,500 points instead of 3,000 points on your account anniversary, and 4 free upgrades for early boarding.

Paul is totally right.  The Southwest Rapid Rewards Priority Credit Card comes with additional perks the other 2 cards don’t have, like up to $75 in statement credits for eligible Southwest purchases and 4 upgraded boardings (position A1 to A15) each account anniversary year.  When you take the $75 in statement credits into account, the net annual fee cost of the Priority card compared to the Plus card is only $5 more.

And on your account anniversary the Southwest Rapid Rewards Priority Credit Card gives you 7,500 Southwest points (worth ~$113 in Southwest airfare), while the Southwest Rapid Rewards Plus Credit Card only comes with 3,000 anniversary points (worth ~$45 in Southwest airfare).

So between the $75 in statement credits for Southwest purchases, upgraded boardings, and 7,500 anniversary points, you can actually come out ahead with the Southwest Rapid Rewards Priority Credit Card.  It’s a keeper!

Bottom Line

I was instantly approved for the Southwest Rapid Rewards Priority Credit Card – the first personal Chase credit card I’ve opened in almost 3 years.  And now I’m busy figuring out how the kids and I will make the most of the promotional Southwest Companion Pass (valid through the end of 2019) and 30,000 Southwest points it comes with after spending $4,000 on purchases in the first 3 months of account opening.

Actually, all 3 Southwest personal Chase credit cards have a similar offer, but only until February 11, 2019:

Earning the Southwest Companion Pass from a single Chase credit card is an outstanding (and unprecedented!) deal.  With the Southwest Companion Pass, a pal (or a child, or partner, or parent – anyone you designate) can fly with you on paid and award tickets for nearly free – just the cost of taxes and fees.  It’s gonna translate into big savings for my family and we can’t wait.

So where should we go first?  I’m thinking we’ll use the Companion Pass on the Hawaii trip I’m planning once they start flying to the Aloha State.  And maybe a few weekend trips up and down the East Coast to spots like Florida, the Caribbean, or Washington, DC.

Are you tempted by these personal Southwest Chase credit card offers?  How would you use a Southwest Companion Pass?

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! :)

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Kathryn Meyer

I signed up for this offer with the Rapid Rewards Plus card and found out $4000 and 3 months later that Chase didn’t sign me up for this promo even though I went through the link, they signed me up for a crappy $200 credit offer. Awesome!

Hi!

My husband will be applying for this card over the weekend (he closed his existing Chase Southwest card 3 weeks ago, specifically so that he can apply for one of these (it will be the Priority card, that’s a no brainer there)! We will meet the minimum spend between the two of us before the first month is up. Hopefully the companion pass won’t take long to arrive.

Anyway, we also have the ability to apply for the business SW card. Would would be the strategy to get the companion pass extended by getting the SW business card? When should he apply? If I’m not mistaken, we should get 60,000 points for that card, then we would only need to earn 20,000 on our own (and we’ll already be on our way since we’ll have the Priority card already.

Any advise on strategy or if I have the all correct, would be greatly appreciated!

Thank You!

Author

Hi Lori – Great questions – a couple of things:

1. When did your husband receive the bonus for the personal Southwest card he cancelled 3 weeks ago? You aren’t eligible for the Southwest Priority (or any Southwest personal card) if you’ve currently got any personal Southwest card OR earned the bonus on any personal Southwest card in the last 24 months.

2. If he cancelled it 3 weeks ago, you might not get an automatic approval (because some report it takes ~1 month for the card to “clear” from your Chase account). That doesn’t mean all is lost – you might just have to call the reconsideration line.

3. With any of the Southwest personal card offers, the Companion Pass you earn is promotional and is valid until December 31, 2019. Because you’ll earn 30,000 Southwest points with the offer, you’ll have the rest of 2019 to make up the balance of the 110,000 points you need in a calendar year to get a Companion Pass valid until the end of the next year (ie December 31, 2020).

Your strategy is sound – if your husband gets approved for the Priority Plus, I’d wait at least 3 months to apply for the business version. As long as you earn the the sign-up bonus from the Southwest business card *in 2019* and enough points to hit 110,000 points in 2019 as well, you should be good for a Companion Pass valid until the end of 2020.

Hope that helps, let me know if you have more questions!

Hi Jasmin!

Thank you for your reply 🙂

Yes, we made sure that it was more than 24 months since he received the bonus for his previous SW card. And just like you said, the rep I spoke to on the phone told me the same; that it could take up to a month for the cancellation of his card to take effect and to wait as long as possible but before the 11th to apply

My fingers are crossed that he gets approved. He has excellent credit, so hopefully there will be no problem, but he did apply last night and it wasn’t an immediate approval. It said they need more time 🙁

If he’s approved, he already has 9k points from the card he cancelled (2019 points), and will have 33k from this card after meeting the minimum. He’ll then apply for the business card, get another 63k after meeting minimum, so we’ll only need 5k points for the extended companion pass through 2020!

So my last question is, why should he wait 3 months? Not that it matters because we’ll meet the 110 quickly, but just curious.

Thanks so much!

Author

Hi Lori – Fingers crossed! Sounds like a call to the reconsideration line might be in order (the old card might still just be showing up in their system, like the rep said).

As for the 3 month spacing, there’s no hard and fast rule on this. Some report getting approved for a personal and business card on the same day, but other reports suggest waiting 30 to 90 days … I’ve always just waited at least 3 months to be safe. Also, many banks nowadays are more sensitive to people applying for a lot of credit cards in a short period of time, so if you can wait, I’d definitely hold off.

Hello,
I have been reading up a lot about the Southwest deal that is currently offered, and have a few questions as I’m trying to decide the best route to go with. First, I want to apply and have the Companion Pass for this year, but I am trying to decide if I’m better going with the higher points and no pass and work to earning enough for 2020/21. If I take the pass now, I’m trying to understand when I need to have reached the 110,000 in order to keep the pass next year. Is it have the points by Dec 31st of 2019, or January 2020? And is it possible to get the pass now and reach the points to have it two more years if I reached the required points needed? If I’m doing this, I want to do what makes most sense to gain me the Companion Pass for beyond 2019. Help Please!!!

Author

Hi Mary Jo – To earn the Companion Pass the “old-fashioned way”, you’ll need to earn 110,000 qualifying Southwest points in a calendar year.

So if you earned a total of 110,000+ Southwest points in 2019, your pass would be valid for the rest of 2019 and all of 2020.

More details here, hope this helps:

https://millionmilesecrets.com/guides/southwest-companion-pass/

Jasmin,

Thank you for the acknowledgement.

My wife and I recently went to Cabo San Lucas on Southwest. We both have our own Priority cards. We used two free upgrades each way. In both cases we boarded immediately after a couple of families boarded. I know my wife liked the early boarding because after we were seated she looked at me and asked “How many of these free upgrades do we have?”. I checked my Chase Southwest account once we got to our hotel. The $40.00 for each upgrade had posted as well as the offsetting credit for both upgrades.

I love this card.

Author

Hi Paul B – That’s awesome! My card just came in the mail and can’t wait to use it – glad to hear the early boarding made such a difference for you and your wife!

I think this promotion is decent, but it’s not as great as all these blogs make it sound. By the time you get the card, meet the minimum spend and get the bonus points you’ll have already lost 2- 3 months of the year. The regular SW card offers 60,000 points. If you find flights for 15K each you would get two free flights for 2 people, which is the same as 2 free flights with the 30K Companion Pass. The card only becomes worthwhile when you take your 3rd flight.

I can apply for the card in Feb, but estimate that I wouldn’t get the actual pass until April or May. I’m going to skip it and just get the 60K card.

Hi Scott – it definitely depends on your travel plans and spending habits. For example, my wife applied for the card on day one and we’ve already met the minimum spending requirements. So we’ll get the Companion Pass next week and have ~11 months to use it. Because we also collect Chase Ultimate Rewards points, we can transfer them to our Southwest account to book free flights.

How long did it take for the companion pass to show up in your account after meeting the spend bonus? I got my 30k bonus points but the companion pass has not posted yet, my statement closed 3 days ago.

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