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Chase Southwest Premier Card Overview


Signing up for bank cards by accomplice hyperlinks earns us a fee. Phrases apply to the affords listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards by accomplice hyperlinks earns us a fee. Phrases apply to the affords listed on this web page. Right here’s our full promoting coverage.

Should you fly Southwest usually, or if Southwest serves your house airport, you'll get big quantities of journey from the Southwest Fast Rewards® Premier Credit score Card. It's obtained a candy welcome bonus, and even comes with stable ongoing advantages like 6,000 factors each cardmember anniversary, journey insurance coverage and extra. It's actually probably the greatest Southwest bank cards out there, and among the many

You’ll be able to apply for the Chase Southwest Premier card right here.

Most significantly, the Chase Southwest Premier is a giant enhance if you happen to're attempting to earn the very best deal in journey, the Southwest Companion Move. I'll present you why.

Southwest Premier card overview: You possibly can fly to Costa Rica for practically free through the use of Southwest factors from the welcome bonus. (Photograph by William Berry / Shutterstock)

Who is that this card for?

First, we advocate you don’t apply for journey playing cards except your credit score rating is 700 or above.

The Chase Southwest Premier card can be topic to Chase’s strict utility coverage, often known as the Chase 5/24 rule. Chase received't approve you for many of their playing cards if you happen to've opened 5 or extra playing cards from any financial institution (not counting Chase enterprise playing cards and sure different enterprise playing cards) previously 24 months. If that is you, wait till you fall under 5 playing cards in 24 months.

One other essential notice is that it’s now not doable to have multiple private Southwest card on the similar time.

Present bonus

With the Chase Southwest Premier, you’ll earn 40,000 Southwest factors after spending $ 1,000 on purchases inside the first three months of account opening.

Southwest factors worth is round 1.5 cents every (primarily based on our valuations), so this 40,000 level bonus is value ~ $ 900 in Southwest journey. And people factors will depend towards the factors wanted to earn the holy grail of journey, the Southwest Companion Move.

With the Companion Move, you may carry a companion with you on any Southwest flight for practically free (you’ll solely be charged taxes, which is normally ~ $ 11 for round-trip flights within the U.S.). It is a nice method to take pleasure in extra journey with your loved ones and pals.

You’ll must earn 110,000 Southwest factors in a calendar yr to earn a Companion Move (rising to 125,000 factors as of Jan. 1, 2020), which equates to a whole lot of flying (or spending). However probably the greatest perks of the Chase Southwest Premier card is that each one factors earned with this card depend towards your Companion Move, together with the sign-up bonus. This makes it one of many best strategies for incomes the Companion Move.

After you earn it, you may benefit from the Companion Move for the rest of the calendar yr that you just earn it in, plus the following yr. So if you happen to earned it tomorrow, you might carry a journey buddy totally free by December 2020.

Advantages and perks of the Chase Southwest Premier

Bonus 6,000 Southwest factors every year

Chase Southwest Premier cardholders earn 6,000 bonus factors every year on their cardmember anniversary. These factors haven’t any minimal spending requirement; you merely get them every year you renew your card (i.e., pay the annual charge).

With a median worth of ~ 1.5 cents per Southwest level, this bonus is value ~ $ 90 per yr in journey on Southwest.

Automobile rental insurance coverage

Since this card is designed for people who prefer to journey, it’s nice to see a complete host of various journey advantages additionally provided by the Chase Southwest Premier.

Once you e book a rental automotive with this bank card, you’ll have the safety of automotive rental insurance coverage towards harm as a result of collision and theft. This protection is secondary to your main insurance coverage. In different phrases, when you have auto insurance coverage, it will solely cowl what your private insurance coverage doesn’t.

Baggage delay insurance coverage

In case your luggage arrive at your vacation spot six or extra hours after you, then you definitely and your quick household are eligible for bags delay compensation. You’ll be able to obtain as much as $ 100 per day (most three days), however it’s essential to cost at the very least a part of your airfare to your Chase Southwest Premier to be lined.

Misplaced baggage insurance coverage

In case your baggage is misplaced by the airline, you and your quick household are lined for as much as $ 3,000 per passenger. This protection protects each your checked baggage and carry-on baggage that’s broken because of service negligence.

Journey accident insurance coverage

Once you pay on your air, bus, prepare or cruise transportation together with your card, you’re eligible to obtain as much as $ 500,000 in journey accident insurance coverage. Examples of lined tragedies are:

  • Lack of speech and listening to
  • Lack of sight
  • Lack of fingers or toes

Prolonged guarantee safety

It may be good to make use of this card for on a regular basis purchases. Not solely will you earn Southwest factors on all purchases however you may also take pleasure in purchase-protection advantages. That is particularly helpful when shopping for electronics and home equipment.

With prolonged guarantee safety, you'll obtain a further yr on eligible U.S. producer’s warranties of three years or much less. And also you're lined for a most of $ 10,000 per declare and $ 50,000 per account. So if you happen to use your Chase Southwest Premier to buy a TV that comes with a one-year guarantee, the cardboard will lengthen your guarantee to a complete of two years. That's a reasonably whole lot, and it doesn't price you something additional. Simply be sure you use this card on your buy.

That is particularly cool since many issues now are coming with producer warranties of solely 90 days.

Insurance coverage towards harm and theft

As a further buy safety, any eligible new purchases together with your card are protected for 120 days towards harm and theft. This is applicable as much as $ 500 per declare and $ 50,000 per account.

You’ll be able to learn our publish devoted to Chase Southwest Premier advantages and perks for full particulars.

Methods to earn factors with the Chase Southwest Premier

Right here’s the best way to earn Southwest factors with this card:

  • 2 Southwest factors per greenback on Southwest Airways purchases
  • 1 Southwest level per greenback on each different buy

Southwest award costs are primarily based on the money worth of the ticket. Meaning no blackout dates; you may reserve an award flight so long as there’s a seat for buy.

Southwest factors worth is a median of ~ 1.5 cents every (it may be greater or decrease). So with the 40,000 Southwest factors you’ll earn from this card’s sign-up bonus, you may count on to obtain a worth of ~ $ 900. To make use of your factors, be sure you've chosen the “Factors” field within the prime proper of the Southwest web site. “Wanna get away" fares are the largest bang on your factors.

Southwest has an insanely beneficiant cancellation coverage. If you should change a Southwest flight you reserved with both factors or cash, you may modify it for zero charges with Southwest, and if you should cancel, the factors or cash you spent on the flight will probably be deposited into your Southwest account for future use.

You’ll all the time get two free checked luggage and free cancellations and adjustments with any fare.

Is the annual charge value it?

The cardboard’s annual charge is $ 99 and is utilized throughout your first billing assertion.

This card doesn't provide many super-helpful advantages in comparison with lots of the finest bank cards for journey. Even if you happen to fly Southwest loads and would get an ideal worth from the two Southwest factors per greenback on paid tickets, you may accomplish the identical incomes charge from the Chase Sapphire Most popular Card (which everybody ought to have). That's as a result of you may switch Chase Final Rewards factors from playing cards just like the Chase Sapphire Most popular to Southwest at a 1: 1 ratio.

Since you’ll obtain 6,000 factors each cardmember anniversary (value about $ 90 in worth for Southwest flights), you’re offsetting practically the entire annual charge. Should you’ll use ANY of the opposite advantages, the Chase Southwest Premier is definitely worth the annual charge.

Insider secret

It's true that you just can not have multiple private Southwest card directly. Nevertheless, you can maintain a enterprise and a private card directly. The truth is, incomes each card bonuses would practically qualify you for a Southwest Companion Move! You should earn 125,000 qualifying Southwest factors (as of Jan. 1, 2020) in a calendar yr to obtain it. Should you're out there for a Companion Move, this is without doubt one of the finest airline bank cards for you.

Backside line

The Chase Southwest Premier comes with a welcome bonus of 40,000 Southwest factors after spending $ 1,000 on purchases within the first three months of account opening.

Should you fly Southwest, you'll haven’t any bother getting nice worth from this card. With the Southwest Companion Move, a buddy or member of the family flies with you for practically free on paid and award tickets. Should you profit from it you might save lots of (if not 1000’s) of {dollars} in airfare.

You’ll be able to apply for the Chase Southwest Premier card right here.

For extra concerning the Chase Southwest Premier and Southwest factors, try our guides:

For the newest suggestions and methods on touring huge with out spending a fortune, please subscribe to the Million Mile Secrets and techniques every day electronic mail publication,

Editorial notice: We're the Million Mile Secrets and techniques crew. And we're pleased with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, permitted or endorsed by any of the airways, inns, or bank card issuers which we frequently write about. And that's simply how we prefer it! 🙂

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