Southwest Priority
Chase
Southwest Priority
Offer Strength
Great offer$370 above typical value
Show breakdown
Estimated bonus value: ~$1,120
Base score: 64
Airline boost: +15
Ongoing airline value (conservative, ~2 trips/yr): ~$120
• 1 free checked bag
• $75 airline credits
Current $1,120 vs typical $750
Net value after annual fee: ~$1,011
Estimate based on our value hints; not financial advice.
Annual Fee
$229/yr
Credit Score
Good credit recommended (670+)
Southwest Priority
Welcome Offer
Earn Companion Pass® through 2/28/27 and 40,000 bonus points after you spend $5,000 in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Southwest family rules
Based on reported data, only one Southwest personal card bonus appears to be earnable every 24 months. Business cards are exempt.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
4x points on Southwest purchases
2x points on gas and restaurants (no annual cap)
1x points on all other purchases
2,500 TQP toward A-List per $5,000 spent
Key benefits
$75 annual Southwest travel credit
$75 annual Southwest travel credit
7,500 anniversary points each year
7,500 anniversary points each year
4 upgraded boardings per year
4 upgraded boardings per year
Free first checked bag for you + up to 8 companions
Free first checked bag for you + up to 8 companions
25% back on inflight purchases
25% back on inflight purchases
Preferred + Extra Legroom seat selection
Preferred + Extra Legroom seat selection
Perks
Group 5 boarding for you + 8 companions
Group 5 boarding for you + 8 companions
No foreign transaction fees
No foreign transaction fees
Trip delay and baggage insurance
Trip delay and baggage insurance
Ongoing Value
Annual benefits that offset the fee year after year.
Free Checked Bags
1 free checked bag per flight
Airline Credits
$75 in airline credits per year
$75 Southwest travel credit, 7,500 anniversary points, 4 upgraded boardings/year, free checked bags for you + 8 companions.
Annual Fee Breakeven
Good fit for
About this card
The Southwest Priority Card is the top personal Southwest card, offering 3x points on Southwest purchases and 2x on local transit and commuting. It includes a $75 annual Southwest travel credit, 7,500 anniversary points, and four upgraded boardings per year.
Best for
Regular Southwest flyers who want to accumulate Rapid Rewards points toward a Companion Pass. The anniversary points and travel credit significantly reduce the effective annual fee.
Key considerations
Subject to Chase 5/24. Southwest personal cards share a product family — holding one may affect bonus eligibility on others. Consider whether you're pursuing the Companion Pass when planning applications.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
$50 statement credit
PhoneReddit · 2025-11
3,000 Rapid Rewards points
PhoneFlyerTalk · 2025-07
Tip: The $75 annual travel credit partially offsets the fee. Mention you are considering the Plus card.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the Southwest Priority awards 40,000 points after spending $5,000 within 90 days of account opening.
Annual fee value
The $229 annual fee is partially offset by ongoing benefits including free checked bags (~$70/yr), airline credits ($75), with an estimated total value of ~$145 per year.
In the first year, the sign-up bonus alone delivers approximately $1,036 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the southwest product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
United Gateway
Chase · $0/yr
Earn 30,000 miles40/100
United Explorer
Chase · $150/yr
Earn 70,000 miles64/100
United Quest
Chase · $350/yr
Earn 100,000 miles90/100
United Club Infinite
Chase · $695/yr
Earn 90,000 miles65/100
Get notified about new offers
We’ll let you know when card offers change or new cards drop.
By subscribing, you agree to receive card offer alerts and occasional newsletters. Unsubscribe anytime.