Chase Southwest family rule
You are not eligible for a welcome offer on a personal Southwest card if you currently hold one, or if you received a welcome offer on any personal Southwest card within the past 24 months. You also cannot be approved for a second personal Southwest card while one is open. Business Southwest cards are judged separately.
Unpublished rule: the issuer does not publish this rule. It is documented by at least two independent guides below — treat it as a reported pattern, not a guarantee.
Key takeaways
You are not eligible for a welcome offer on a personal Southwest card if you currently hold one, or if you received a welcome offer on any personal Southwest card within the past 24 months. You also cannot be approved for a second personal Southwest card while one is open. Business Southwest cards are judged separately.
Applicants for personal Southwest Rapid Rewards cards (Plus, Premier, Priority). Business cards follow product-specific 24-month terms instead.
Who it applies to
Applicants for personal Southwest Rapid Rewards cards (Plus, Premier, Priority). Business cards follow product-specific 24-month terms instead.
How to count
- Check whether you currently hold any personal Southwest card; if so, no new personal Southwest bonus.
- Find your most recent welcome offer on any personal Southwest card; add 24 months.
- Business Southwest bonuses do not count toward the personal family clock, and vice versa.
Calculator (estimate)
Enter the date you received the bonus on that card. The calculator adds the waiting period.
This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply.FAQ
Can I hold a personal and a business Southwest card at the same time?
Yes. The family rule covers personal cards only; business cards are judged on their own terms.
Does the 24-month clock restart if I close a Southwest card?
No. It runs from the last welcome offer on any personal Southwest card, not from a closure.
Sources
Non-issuer sources are secondary sources (independent guides). If a rule changes, the issuer's page governs. This page is general information. Issuer rules change without notice, and actual approval is decided by the issuer's underwriting. Read the terms on the card you are applying for before you apply. Page updated: November 3, 2026No bank login required