85k Bonus Points - Southwest Individual Chase Credit Card 85,000 Bonus Point Offer after meeting Min... [chase.com]
For the Chase Southwest Individual Credit Cards, Chase has increased its bonus points for signing up to 85,000 points. Normally, it is 40,000 or 50,000 as an initial sign on bonus.
This offer applies to these three individual Chase Southwest credit cards:
Southwest Airlines Chase Bank
Plus Card $99 Annual Fee
Southwest Airlines Chase Bank
Premier Card $149 Annual Fee
Southwest Airlines Chase Bank
Priority Card $229 Annual Fee
Earn 85,000 points after you spend $3,000 in the first 3 months from account opening.
Plus, first checked bag free.
The benefits for each card are different, so are the annual fees ($99, $149, $229), which are charged on the first statement.
Compare the Cards here by clicking on compare [chase.com]
To qualify, you can't have a current SWA Chase individual card and/or you need to not have received an initial sign on bonus in the past 24 months for a Chase SWA individual card. Other terms apply
This offer available at the end of the calendar year makes it perfect for trying to hit your bonus points in early 2026 for a boost towards companion pass eligibility in 2026.
Some Fine Print: "85,000 Bonus Points after You Spend $3,000 In The First 3 Months From Account Opening: 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. To qualify for your bonus points, you must make Purchases totaling $3,000 or more during the first 3 months from account opening"
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The advantage of Southwest RR Points is that you can book flights with points and cancel the flight right up to day of travel ---- with no consequence (the Points are returned to your Points account). This is sort of necessary now that Southwest has put a 'time expiration' on monetary funds credits. If you cancel a flight you booked by paying with money, the monetary credit will now expire (either 6 months or a year from original booking date depending on the type of fare you choose). That's not good.
Also, the Priority Card lets you squat a seat at time of booking for any fare type -- which is something that you will desire from late Jan 2026 onward with Southwest's new booking rules. That is my understanding of the new system taking effect in late January 2026. But Priority Card has the highest annual fee too. To me, it is either Plus (cheaper) or Priority (better benefits but costs more) -- and not Premier (which is like being in no mans land).
Most favorable approach is to get the card now......and delay completing your spending until early Jan 2026 to mid Jan 2026, so that your bonus points 'hit' your account in 2026. Then keep earning and try to achieve a companion pass in 2026 -- after you earn more points throughout the rest of 2026. Other people who are near companion pass qualification in 2025 might want to try to spend quickly to get their 85,000 bonus points in 2025 so to complete the qualification and get the companion pass in 2025.
And an 85k points sign on bonus for only $3,000 initial spend in the first three months is pretty decent.