Posted by Chuck on February 18, 2020
Credit Cards

Published on February 18th, 2020 | by Chuck

256

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

Update 2/10/20: The public links showing on southwest.com are showing an end-date of 2/10/20 for this offer. The referral links show an end date of 2/18/20. I imagine most will use a referral link, regardless, this is the final week to apply for this unless it gets extended. (Newer referral links generated aren’t showing the increased offers, but links which were generated a while back will be valid through 2/18/20.)

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.

Chris H
Chris H

They applied a limit of 1 personal card bonus in 2018. I don’t see any data points as to whether you can get a second personal with no bonus. I believe I linked those two together, because it would never occur to me to apply for a card without a signup bonus. Sorry for the misleading statement.

https://www.doctorofcredit.com/chase-southwest-cards-limit-of-one-personal-card/

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.

Joe
Joe

What is FR?

Mali
Mali

financial review

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.

Points Fan
Points Fan

How long do you have to wait before applying after closing your personal card?

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

.

seahawks753
seahawks753

Have been considering a SW card for me and P2 for a while .. we both want a CP so we can travel with our kids. What’s a good way to play this .. should we go with one personal and one business or apply for both plus and premier?

Currently we are both at 1/24 and both opened a CIP last month.

david
david

If you aren’t in a rush, do 2 business cards each. If you need it right away then either do MDD on 2 personal cards each (referred from each other) or 1 business and 1 personal each

Clark
Clark

I had an SW account active right now, though it is opened and received bonus more than 2 years ago. While I know one can’t have two accounts, can I close the one I have right now, and apply for a new one right after? Thanks in advance!

Chris Webb
Chris Webb

BUMP! I need to know this too. Or, what’s the gap between closing an account and opening another?

Points Fan
Points Fan

Did you ever find out the answer to this?

Stephen
Stephen

Just a heads up if you are looking to redeem for gift cards. $25 gift cards will be 4,050 points, $50 gift cards will be 6,750 points, and $100 gift cards will be 13,500 points. Amazon, Walmart, and Target are listed as options for the $50 gift card. So if you get 75,000 points plus 5,000 more in spend, that would be 80,000 points and could redeem for $550 in gift cards with 5,750 points left over. $550 – $69 annual fee on the one card nets $481 in gift cards.

Lisa
Lisa

Missed this when I asked a very related question. There was a discussion about this in early 2018. One point conversion rate was showing for frequent flyers I think? And a different conversion rate for card holders when logged in to their account. Are these numbers from a card holder logged in to their account? Thanks.

Stephen
Stephen

No, I am no longer a card holder. So this would be the rates for a non-card holder. I’m not sure what the card holder rates are or if they are different.

Lisa
Lisa

Thanks

Lisa
Lisa

Chuck or other,
What’s the redemption rate of points for gift cards. As a non-card holder, ie not logged in, I see poor redemption rates. For example $50 walmart giftcard for 6,750 points. Those redemption rates here: https://www.1.awardhq.com/24468SWANCMSWARRNCM/shop/gift-cards-all/_/N-115353+4294933308+4294956081+4294954283

There was a discussion in early 2018 that seemed to indicate that the redemption rate might be 1cent per point if you log in. Can anyone confirm what the gift card redemption rate is for walmart and amazon gift cards IF you are a credit card holder and logged in? Thanks.

king
king

Does the referral comments randomly sort ? or is it always the first guy to comment gets the lucky prize ?

king
king

@ Will/Chuck

Does chase allows self referral . i have bus performance card , can i use my link to apply for a personal card ?

William Charles
Tim
Tim

I thought the warning letters were for people who bypassed the referral cap, not for self referrals. Can you confirm that self-referrals are also a risk?

Thanks.

William Charles

You’re right. I’ve got no idea if self referring is ok with Chase

satellite
satellite

What about self referring from a business card with EIN to a personal card using SSN?

slyfox
slyfox

I literally just did a refer myself from SW business to personal on Saturday (for only 40k after 1k spend).
Think its worth trying to match to this new bonus?
I’m worried if I call to try to get a bonus match they will see I referred myself and shut me down 🙁
Any data points?

Jason
Jason
slyfox
slyfox

Maybe I’m misunderstanding, but that that seems completely unrelated to doing a 1 off self referral of a card that my referral link is valid for?

JK
JK

I am in the exact same boat. I’m off to search for the answer (again. I didnt find much before). The article (non)friendly people like Jason like to refer to, has nothing to do with this

JK
JK

Now that I read a little more, it seems that Chase said that ” if it continues all Chase credit card accounts would be closed”. No mention of clawback

elegua
elegua

Question, p2 got approved for Performance Biz (80k) last October and we already did the 5k spend, using the referrals here for 75k/5k which card will be the best to apply to complete the CP?, p2 is 4/24?

Thanks in advance.

Dan
Dan

Just out of curiosity, how many bonus points are given to the person providing the referral link if the other person opens the account and completes the activities to qualify for the bonus?

Tworth
Tworth

Pretty sure it’s 10k.

david
david

I just got accepted for a SW priority card for the 40 k bonus via referral link. The card hadn’t even arrived yet. I sent a secure message with a screen shot of this deal and they said they would not match the bonus.Wondering if it is worth it to call in .

Alicia
Alicia

Same here. Please keep us posted whether calling in works.

JK
JK

Same here. Have not received the card. Did you refer yourself? I did (biz to personal) and i’m reluctant to push it.

JK
JK

Matched the offer for me via SM.

slyfox
slyfox

thanks for the DP, im going to try to, was scared since i referred myself, but sounds like it worked out for you.

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