Posted by Chuck on January 9, 2020
Credit Cards

Published on January 9th, 2020 | by Chuck

182

All Southwest Personal Cards 75,000 Points Signup with $5,000 Spend in 6 Months (Public & Referral Offers)

Update 1/9/20: Offer is now available publicly, found on the Southwest site. I imagine affiliate sites will get these too. Consider using a reader’s link or a link from a site you’ve gained from in the past instead of using a public link; we don’t use credit card affiliate links on DoC.  [Getting an offer match (if you signed up at a lower offer) is more-or-less guaranteed now given the public offer.]

Update 1/7/20: Multiple reports indicate that they are now matching this offer for those who signed up earlier. This is despite the initial lack of success some were having. Might be worth adding a link or image to the Secure Message to prove you have the offer. (My personal guess is that the 75k offer will soon go public, and they’ve now taught the reps to start matching it already now.) You will need to meet the higher $5k spend to get the match. This comment is also interesting.

The Offer

No direct link, you need to use a referral link to get this offer

  • Signup for the Southwest Plus, Premier, or Priority credit card and get up to 75,000 Southwest points:
    • Get 40,000 points when you spend $1,000 within 3 months.
    • Get 35,000 when you spend $5,000 within 6 months (for a possible total of 75,000 points).

Offer ends February 18, 2020.

Card Details

  • Chase 5/24 rule does apply to this card
  • Annual fees are not waived the first year
  • The Premier personal and business cards earn a 6,000 points anniversary bonus; the Plus earns 3,000 points anniversary bonus; the Priority earns 7,500 anniversary bonus

Our Verdict

This offer is really terrific; standard offer is 40,000 points signup bonus, and the best we’ve seen in the past was 60,000 points with $2,000 spend. The timing is also right here as you can meet the spend requirement immediately and get the Companion Pass for almost two years if you find a way to meet the remaining spend (e.g. signing up for a business card too).

Check out these Things to Know about Chase before applying. If you recently got the Southwest card, you might be able to get this offer matched if you show Chase that you were referred by a friend, but no guarantee given that this is a referral offer, not a public offer.

A few points:

  • It’s not clear if you need to spend $6,000 total or $5,000 total get the the full 75k bonus. My read is that you just need to spend $5,000 total.
  • Remember, you can refer a friend to ANY version of the Southwest card, so if you have a friend with the Priority, you can use their referral and signup for the Plus. You’ll get the increased offer and they’ll get their referral bonus. This is really as good as it gets.
  • As of now, this offer is only available via referral link. Make a friend happy and ask them for their referral.

DO NOT REFER IN THE COMMENTS HERE, instead, head over to this dedicated referral post to find a referral. Try to find someone who has been helpful in the past.

Hat tip to jedimindtrix24



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deerseason
deerseason

Sorry, it’s been a while. I signed up for the Plus and Premier Business 2 years ago (end of 2017), so we had the companion pass in 2018 and 2019. I canceled the Plus late 2018 (when the fee came up), and I haven’t canceled the Business (got a retention offer).

I am under 5/24. I should be able to sign up for one of these cards, right?

Meanwhile, trying to figure out my play for the 2nd card to get the CP this year (no immediate travel planned yet for the first few months, and I’m okay with only having CP for the rest of 2020 and then 2021)… should I just cancel the Premier Business right now and sign up for another Business card (I did actually start a new business this year with a new EIN, which I hope makes it easier)?

Chris H
Chris H

Just sign up for the other Business Card. Having the Premier doesn’t exclude you from getting the Bonus on the Performance.

Note: You can’t hold more than 1 PERSONAL southwest card.

Vick
Vick

> Note: You can’t hold more than 1 PERSONAL southwest card.
Someone can correct me if this is recent change, but I don’t believe that’s valid. I’ve had Plus/Premier for 2 years now, and just got retention on both the versions.

SouthFayetteFan
SouthFayetteFan

FYI – Chuck – I see this as a $5k MSR. If you read it closely, it doesn’t use the word “additional”. Just spend $5,000 in 6 months. The user on r/churning who initially reported this has since corrected it based on my assessment also 🙂

EDIT: I see you have made a note of this below in your commentary.

satellite
satellite

How lenient is Chase when approving business cards for ebay sellers with $1k in revenue per year?

Jeremiah
Jeremiah

If it’s your first Chase card you have a good chance of getting auto-approved, even if the auto-approval isn’t instant. If you already have a Chase business card the odds are lower, but it’s still feasible. I’ve gotten multiple Chase business cards without very high revenue numbers. Just make sure to use your name as the business name if you don’t have an LLC or DBA.

satellite
satellite

I have a couple Chase personal cards but I never had Chase business cards (total of two business cards from other banks). I had two Southwest personal cards back when it was allowed. So, my chances are good for getting one personal, one business? I’m at 3/24

Sam Y.
Sam Y.

Go for it. I had like 6-7 business credit card with chase over the past 2 years with my ebay business.

Tim
Tim

If you don’t need CP immediately, I’d consider going slow on these and hope you can line it up with one of the 20-25% spend multiplier promotions they occasionally have. Since those seem to apply to SUBs in practice it’s like an extra free 10-20K miles if they decide to run one in february or march.

William Charles

I thought they didn’t apply to SUBs?

Tim
Tim

Their language says that it doesn’t, but I guess they didn’t correctly communicate that to the backend coders, since many DPs show that it does apply.

Obviously can’t guarantee they won’t fix it, and you can’t argue for it if it doesn’t work, but there’s little cost to making an attempt.

007
007

Sorry for dumb question – what are SUBs?

Tim
Tim

“Sign Up Bonus” – the points you get for completing the spending requirement on a new card.

007
007

I see. Do they send you an email about the spend multiplier promotion or how do you find out about it? The best case would then be getting the whole CP from your sign up bonus itself using a spend multiplier? That would be pretty cool….

Tim
Tim

I don’t recall getting an email. It shows up under promotions in your southwest rewards account. Ususually DoC has a post about them when they come up. Here’s an example.

Rowan
Rowan

Fwiw if I recall correctly P2’s personal card received the multiplier points on the SUB bonus but not the business card even though both bonuses were received within the applicable timeline for the promo early last year… Either way it was a nice surprise considering the T&C indicated it wouldn’t apply!

007
007

Thanks for the clarification that it will appear in the southwest rewards account!

Sam
Sam

If you have one version (personal or business) of the card, can you use your own referral link to apply for the other version?

Ben
Ben

No

Sam
Sam

Are you sure? I didn’t see that anywhere in their terms and condition.

John
John

Yes you can.

Caution
Caution

This has been known to trigger a FR.

satellite
satellite

Can a single link be used for opening one personal and one business card? Will the referrer earn two bonuses?

John
John

Yes.

Alex
Alex

Got approved back in November (black star preapproval) and haven’t met spend yet. Has chase been matching sign up bonuses recently? I sent a secure message already but just wondering if others have had luck.

Way over 5/24 so can’t get the business cards, but may still try for companion pass if some referrals come through.

Butter
Butter

In the past, Chase told me that they match the bonus only within 21 days of the first card’s enrollment

Scott
Scott

Is MDD still alive?

Patrick McKay
Patrick McKay

I was successfully approved for the Plus using this offer, but now I’m wondering if I might have accidentally screwed myself because I last got the bonuses on the two Southwest personal cards I believe in January 2018. Anyone know how strictly Chase enforces the term about not having a previous Southwest bonus in 24 months?

Alicia
Alicia

I think as long as you “earn” the bonus after Jan 2020, you should be fine.

satellite
satellite

Is this confirmed? I’m in a similar situation, earned the last bonus middle of January 2018.

Alicia
Alicia

As per my understanding of the 24 months rule, Jan 2018 to Dec 2019 are 24 months, that’s why Patrick was able to get approved in Jan 2020. Otherwise, as per this rule, Chase would have rejected the application in the first place. And to be on the safer side, I’d suggest to delay the “earning” to Feb 2020.

Patrick McKay
Patrick McKay

Thanks so much! That’s a huge relief. Sounds like the fact that I was approved for the card means I should be eligible for the bonus. I’ve been working Amex bonuses lately and got used to their system of explicitly telling you if you’re eligible for the bonus and forgot that Chase doesn’t do that. I will do what you said and wait until February before earning the bonus to be safe though.

Chris
Chris

Finally under 5/24 for the first time in years and this is compelling, but my overall Chase CL is 75% of my annual income, across 6 personal cards.

I’d rather not proactively lower my CLs if I can do that in recon… any recent DPs or advice re: similar situations?

CW
CW

Advice: proactively lower your CLs

Chris
Chris

Thanks, heeded your advice and am now at 40% of annual income. Giving it a few days before I apply. Cheers.

John
John

You should lower your CLs. You can do it by SM.

Alicia
Alicia

you can move CL from other cards to this new card

Gmoney
Gmoney

P2 just got Hyatt and on Feb 18th will still be within 2 cards (also CIP) 90 days. Haven’t yet received and activated card yet….can I cancel or say don’t want and then get this?

John
John

That’s an Amex rule, nothing to do with Chase.

JR
JR

I think this disclaimer, as I understand it, is a very limiting factor: “Earn Up To 75,000 Bonus Points: The product is not available to either (i) current Cardmembers of any Southwest Rapid Rewards® Credit Card, or (ii) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products.”

I read it as “if I have had any SW personal card bonus in the past 24 months, I’m not eligible for this.”

Is that how the new SW bonus rules work in general, too?

VerbalK
VerbalK

this is the same language as it always have been. If you closed your personal card and didn’t receiving a bonus within last 24 months, you qualify.

Kristi
Kristi

awesome offer!

VerbalK
VerbalK

dang, applied for the 50K offer over thanksgiving. anybody have any luck getting a match?

William Charles

Chase usually matches within 90 days, worth a try.

Butter
Butter

William Charles They told me 21 days (with a different card). I’ve heard of others being told this as well.

dan
dan

VerbalK not likely, as the bonus req. for this is different than yours

david
david

I just got approved for the 40k. Sent a secure message to try to get a match and was denied. Let me know what happens if you call in please.

Robert Frank
Robert Frank

Just received the card in the mail couple days ago. Called last night. Was emphatically told the procedure for matching was wait until you get bonus and then ask for match to 75,000! WTF!!
CSR was adamant it’s always done that way. She also insisted it’s up to a different department. She sent my request forward to that department at my insistence.
Can’t one get an ok from the CSR?

Kurt
Kurt

.

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