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Southwest Personal Cards — 85,000 points bonus

Chase · Updated June 2026

As of June 2026, the Southwest Personal Cards from Chase offer a welcome bonus of 85,000 UR points, estimated at $850, after spending $3,000 in 90 days. Eligibility is subject to Chase's 5/24 rule, requiring applicants to have opened fewer than five personal cards in the last 24 months. This card presents a solid opportunity for those seeking a substantial UR points boost, provided they meet the spending and application criteria.

For savvy churners, understanding the specific requirements and potential value is key. This page breaks down the current offer, eligibility nuances, and helps you determine if adding a Southwest Personal Card to your wallet aligns with your points strategy. We'll cover everything from the minimum spend to application rules and alternative Chase cards to consider.

Welcome bonus
85,000 points bonus
Min. spend
$3,000 / 3 months
Annual fee
—
Est. value
$1,275
View offer at Chase →
Before you apply, make sure you can be approved. Check this card against Chase 5/24 & your history →

Current Welcome Bonus & Value

As of June 2026, the Southwest Personal Cards offer a welcome bonus of 85,000 UR points. This bonus is estimated to be worth $850, providing a significant boost to your points balance.

Minimum Spend to Earn It

To earn the welcome bonus, you must spend $3,000 on eligible purchases within the first 90 days of account opening. It's crucial to meet this requirement within the specified timeframe to secure your bonus points.

Who's Eligible

Eligibility for the Southwest Personal Cards is primarily governed by Chase's strict application rules:

Is It Worth It?

Deciding if the Southwest Personal Cards are worth it depends on your individual points strategy and eligibility.

Pros:

Cons:

How to Apply

To apply for the Southwest Personal Cards, visit the official Chase website or a trusted affiliate link. Ensure you review the most current offer terms and conditions before submitting your application. Always confirm your eligibility, especially regarding the Chase 5/24 rule, to avoid a wasted hard inquiry on your credit report.

Alternatives

If the Southwest Personal Cards don't fit your current strategy, or if you're looking to diversify your Chase portfolio, consider these related cards:

Frequently asked questions

Is the Southwest Personal Card subject to Chase's 5/24 rule?
Yes, the Southwest Personal Cards are subject to Chase's 5/24 rule. This means you generally won't be approved if you've opened five or more personal credit card accounts across all issuers in the last 24 months.
What credit score is typically needed for the Southwest Personal Card?
While a specific credit score floor is not provided, Chase generally requires applicants to have good to excellent credit for approval on their personal cards, typically FICO scores of 670 or higher.
Can I get the Southwest Personal Card bonus more than once?
The provided facts do not specify a 'once-per-lifetime' rule for this particular card. However, Chase has various application rules that can limit how often you can receive a welcome bonus on their cards. Always check the latest terms and conditions directly from Chase before applying.
What are UR points and how much are they worth?
UR points refer to Ultimate Rewards points, Chase's proprietary reward currency. For the Southwest Personal Cards, the welcome bonus of 85,000 UR points is estimated to be worth $850, as of June 2026.
Are annual fees waived for the Southwest Personal Card in the first year?
No, the terms explicitly state that annual fees are not waived for the first year on the Southwest Personal Cards. The specific amount of the annual fee is not provided.
How long do I have to meet the minimum spend requirement for the bonus?
You have 90 days from account opening to spend $3,000 on eligible purchases to earn the welcome bonus for the Southwest Personal Cards.
What are some good alternatives to the Southwest Personal Card?
If you're looking for other Chase cards or alternatives, consider options like the IHG Premier, Chase British Airways Card, Chase Sapphire Preferred® Card, Chase Disney Premier Visa Card, JP Morgan Reserve Credit Card, or the Sapphire Reserve®.

Related cards

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.