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Middle Age Miles

All-Time High 75k Sign-Up Bonuses on Chase Southwest Personal Cards – Through Referral Only (Link Provided Here) – Use Toward Companion Pass!

chase southwest credit cards plus premier priority 75k 75,000 rapid rewards points sign-up bonus all-time high referral link companion pass
If you play your cards right, you can earn a Southwest Companion Pass
and fly you and your companion to Vegas!
[we’re not exactly sure who to credit for the featured image as it appears on several sites]

Executive Summary

This week, Chase and Southwest have introduced all-time high sign-up bonus offers on the three Chase Southwest co-branded personal credit cards. If you’re eligible to get a Chase Southwest card, you can earn a sign-up bonus of up to 75,000 Southwest Rapid Rewards points. The offers are only available through referral links – and we have a link here that you can use to get these great offers!

These offers are available from now through February 18, 2020.

Referral Link

You can access the referral offers for Chase Southwest cards through the link below. This link will take you to a page where you can choose any of the Chase Southwest personal cards or either of the Chase Southwest business cards and apply, with the increased bonus for the personal cards.

Sign-Up Bonus Offer Details

For each of the three Chase Southwest personal cards – the Plus, Premier and Priority – the sign-up bonus offer is exactly the same:

  • Earn 40,000 Rapid Rewards points after you spend $1,000 on purchases in the first 3 months of account opening
  • Plus, earn an additional 35,000 Rapid Rewards points after you spend a total of $5,000 on purchases within the first 6 months of account opening

At our baseline value of 1.3 cents per Southwest Rapid Reward point, the full 75,000-point sign-up bonus would be worth about $975. That’s a fantastic bonus!

There are a few important limitations and things to know about applying for Chase Southwest personal cards:

  • You must be under 5/24 to be approved for a Chase Southwest card
    • For those who aren’t familiar, this basically means that you cannot have been approved for 5 or more personal credit cards within the 24-month period before you apply. If you’ve had less than 5 new personal cards within the past 24 months, you are eligible to be approved.
  • You can only hold one version of the Chase Southwest personal cards at a time
    • However, note that it is possible to hold one Chase Southwest personal card and one Chase Southwest business card at the same time.
  • You are not eligible for the card or a sign-up bonus if you either (a) have a Chase Southwest personal card currently open; or (b) have received a new cardmember bonus on a Chase Southwest personal card within the past 24 months

Details of the Chase Southwest Personal Cards – Which One Should You Choose?

Let’s do a quick review of the three Chase Southwest personal credit cards, to help you choose which card is right for you. In general, we’d say that if you’re a regular Southwest flyer, you’d probably benefit from the highest-end Priority card. The $75 Southwest annual travel credit and 7,500 anniversary points, alone, easily cover the $149 annual fee on the Priority card for regular Southwest flyers.

We’ll start with the lowest-end card, the Plus, and then move up to the Premier and Priority cards.

Chase Southwest Plus Card (low-end card)

  • Annual fee = $69
  • Points-earning structure:
    • 2x Rapid Rewards (RR) points per $ on Southwest purchases
    • 2x RR points per $ on Rapid Rewards hotel and car rental partner purchases
    • 1x RR point per $ on everything else
  • Bonus of 3,000 RR points after each cardholder anniversary year
    • Worth about $39 at our baseline value of 1.3 cents per Southwest RR point

Chase Southwest Premier Card (mid-range)

  • Annual fee = $99
  • Points-earning structure:
    • 2x RR points per $ on Southwest purchases
    • 2x RR points per $ on Rapid Rewards hotel and car rental partner purchases
    • 1 RR point per $ on everything else
  • Bonus of 6,000 RR points after each cardholder anniversary year
    • Worth about $78 at our baseline value of 1.3 cents per Southwest RR point
  • Ability to earn tier qualifying points (TQPs) toward A-List or A-List Preferred status
    • Earning rate is 1,500 TQPs for each $10,000 in purchases, up to a cap of 15,000 TQPs per calendar year (close of December statement through close of following December statement)
  • No foreign transaction fees

Chase Southwest Priority Card (high-end card)

  • Annual fee = $149
  • Points-earning structure
    • 2x RR points per $ on Southwest purchases
    • 2x RR points per $ on Rapid Rewards hotel and car rental partner purchases
    • 1 RR point per $ on everything else
  • Bonus of 7,500 RR points after each cardholder anniversary year
    • Worth about $97.50 at our baseline value of 1.3 cents per Southwest RR point
  • $75 Southwest annual travel credit
  • Four upgraded boardings per year (when available)
  • 20% back on in-flight drinks and Wi-Fi
  • Ability to earn tier qualifying points (TQPs) toward A-List or A-List Preferred status
    • Earning rate is 1,500 TQPs for each $10,000 in purchases, up to a cap of 15,000 TQPs per calendar year (close of December statement through close of following December statement)
  • No foreign transaction fees

For a visual comparison of card benefits, Chase provides this handy chart:

Use a Sign-Up Bonus Toward a Southwest Companion Pass!

These great new sign-up bonuses can be used to help you qualify for a Southwest Companion Pass, which is one of the best values in the entire points-and-miles hobby. With a Companion Pass, when the holder of the Pass purchases a ticket on Southwest, using either a paid fare or Rapid Rewards points, the Pass holder’s designated companion can fly for free on the same flights. Once earned, this benefit can be used an unlimited number of times until the Companion Pass expires.

A Companion Pass is valid from the time it is earned through the end of the following year. So, now is a great time to earn a Companion Pass, as it’ll be valid through the end of 2021 – almost 2 full years!

To earn a Companion Pass, you’ll need to earn 125,000 Southwest points within one calendar year. The sign-up bonuses on Chase personal cards count toward this requirement, as do the miles you earn through regular spend.

To reach the 125,000 RR point threshold for the Companion Pass, of course you’ll need more than just one of these 75,000-point sign-up bonuses. Many people like to make up the difference by also applying for a Southwest business card. At this time, the Southwest Premier Business card offers a sign-up bonus of 60,000 RR points after $3,000 in purchases within 3 months, and the Southwest Performance Business card offers a sign-up bonus of 70,000 RR points after $5,000 in purchases within 3 months. You can also view the details of these cards and sign-up through the referral link we provided earlier in this article. If you decide to go with this 2-card strategy, it is imperative that you apply for the business card first. (The reason is that Chase’s velocity rules require you to wait 30 days for any other application (personal or business) after applying for a personal card. This same rule does not apply to business cards; hence our admonition to apply for the business card first!)

If you don’t want to apply for a business card, then you’ll have to make up the difference between the 75,000-point sign-up bonus and the 125,000-point Companion Pass threshold through spend on your card, flying on Southwest, and/or some other activity that earns RR points that count toward the Companion Pass.

For more information on the Southwest Companion Pass, including a detailed listing of what RR points-earning counts toward the 125,000-point threshold, see this excellent guide that our friends at Frequent Miler released earlier this week:

Finally, as far as timing goes, it’s helpful to know that points earned on a Chase Southwest credit card, including points earned through a sign-up bonus, will post to your Southwest account when your statement closes. Once you’ve earned enough points for a Companion Pass, Southwest will automatically apply the Companion Pass benefit to your account; the only manual action you’ll need to take will be to designate your companion!

Wrap-Up

These new sign-up bonuses on the Chase Southwest personal cards are an all-time high, and they represent great value as the 75,000 RR points are worth almost $1,000 in free travel! Beyond that, these sign-up bonuses can become even more valuable to you if you can leverage them into a Companion Pass.

Remember that these offers are only available from now through February 18, and they’re currently only available through a referral link. If you’re applying, we really appreciate it if you use the referral link we’ve provided here!

What do you think of the new Chase Southwest personal card sign-up bonuses? Which card did you choose and why? And are you going for a Companion Pass? Please let us know in the Comments!


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3 thoughts on “All-Time High 75k Sign-Up Bonuses on Chase Southwest Personal Cards – Through Referral Only (Link Provided Here) – Use Toward Companion Pass!

  1. JV13

    Craig,

    Great article. In December was able to get a personal and business card using this strategy and completed the spend requirement in January to receive the sign up bonuses and qualified for the companion pass. I booked 2 tickets this morning (to my wife’s favorite new destination – Las Vegas) using points earned from this and the companion pass I received. This is a great deal that more people should look into. Thanks again for pointing this out to everyone.

  2. Joseph

    Referral still works for 75K until 2/18/2020!!!

    [Referral link removed]

    After you meet the spending requirements with this Southwest offer you would get 75,000 points. That is the highest offer I have seen, so there is some concern I have about potential point devaluing in the future. Typically the offers are for 50,000 points.

    The great thing about Southwest is it’s free baggage and free cancellation. Twice every year Southwest usually has a big sale in June and October. If you booked a flight today with points and saw a cheaper price in October you could just re-book.

    The offer ends February 18. This is a credit card bonus offer. If you currently have a personal Southwest Chase card you are not eligible. You have to meet the spending requirements to receive 75K points. Just meeting the spending requirement for 40K points would not be worth it.

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