Chase’s ‘One Southwest Card’ Rule, Explained

Chase's new rule limits cardholders to just one Southwest consumer card, making it harder to qualify for the Companion Pass.
Claire Tsosie
By Claire Tsosie 
Edited by Kenley Young

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

With a new rule from Chase, it's now much harder to earn multiple bonuses on Southwest consumer cards.

On April 5, 2018, Chase implemented a new rule that limits most cardholders to just one Southwest consumer card and sets new restrictions on bonuses. This rule affects:

Southwest business cards and employee cards aren't affected.

The new policy puts the kibosh on folks trying to rack up multiple Southwest sign-up bonuses on consumer cards in a short period of time. It's especially noteworthy because it makes it harder to qualify for the coveted Southwest Companion Pass, which allows you to fly with a traveling partner for free for a time (aside from taxes and fees), just by racking up multiple Southwest bonuses.

This isn't the first time Chase has cracked down on folks chasing multiple bonuses. It applied a similar policy to its Sapphire cards last year. Previously, it implemented the 5/24 rule on many of its cards, which makes it harder to qualify for certain Chase cards if you've recently applied for several other cards.

Here’s what the “One Southwest card” rule means for you.

If you recently closed a Southwest consumer card: You may have to wait

With this new policy, you can't qualify for another Southwest consumer card if you've earned a bonus from one of these cards in the past 24 months. This restriction applies even if you've closed the account through which you earned the bonus.

If you currently have a Southwest consumer card: You can’t get another

If you got the Southwest credit card years ago, the siren song of today’s big bonuses on the consumer cards might make you want to apply again. But with this new rule, you won't get approved while you still have your old account open.

If you have a Southwest business card: You’re not affected

Chase’s rule applies to consumer cards, not business cards. If you already have a Southwest business card, you may still be approved for a personal card — as long as you meet the other qualification requirements.

Travel Cards from our Partners
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
NerdWallet Rating
Rewards rate


5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.


Intro offer


Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Chase Freedom Unlimited Credit Card

on Chase's website

Chase Freedom Unlimited®
NerdWallet Rating
Rewards rate


Enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.


Intro offer

Up to $300

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Capital One Venture Rewards Credit Card

on Capital One's website

Capital One Venture Rewards Credit Card
NerdWallet Rating
Rewards rate


Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.


Intro offer


Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

See more Travel cards

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Get Started
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.