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Jason Miles, Wallethub Credit Card Consultant
@jasonmiles42
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It is hard to get a Southwest credit card because you must have at least good credit to qualify. If you don't have a credit score of 700+ credit score and a lot of income compared to your debts, it will be difficult for you to get approved for a Southwest credit card.
Minimum Credit Score for Notable Southwest Credit Cards
- Southwest Rapid Rewards® Plus Credit Card: Good credit
- Southwest Rapid Rewards® Premier Credit Card: Good credit
- Southwest Rapid Rewards® Priority Credit Card: Good credit
- Southwest® Rapid Rewards® Performance Business Credit Card: Good credit
Keep in mind that while the credit score requirement is the main thing that makes a Southwest credit card credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you’ll need to have a steady income that’s big enough to handle the card’s credit limit, and you must be at least 18 years old.
Finally, it’s important to note that even if you exceed all of the requirements to get a Southwest credit card, you’re never guaranteed to get approved, though your odds are good.
This answer was last updated on 06/28/24 and it was first published on 10/21/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Popular Southwest Credit Cards
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Frequent Flyer Perks
Southwest Rapid Rewards® Priority Credit Card
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Low Annual Fee
Southwest Rapid Rewards® Plus Credit Card
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Bonus Rewards
Southwest Rapid Rewards® Premier Credit Card
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Business Rewards
Southwest® Rapid Rewards® Performance Business Credit Card
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Barbara, Member
@barbaras_251
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I have a 682 credit score along with many other credit cards. I just got approved for 2500.00.
I didn't think I would be approved because of my high ratio to card balances! I am really excited to get this card!
This answer was first published on 10/18/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Michael K, Member
@michael_kolkovich
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I have a sub 650 credit score, yet got approved for this card with a 2k limit
This answer was first published on 02/25/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
People also ask
What credit score do you need for a Southwest Airlines credit card?
You need a credit score of 700 or higher to get a Southwest Airlines credit card, as a minimum of good credit is required for approval. If your credit score is below the threshold, it’s best to wait and apply after you meet the credit score requirement. You can check your credit score for free, right here on WalletHub.
Southwest Airlines Credit Score Requirements by Card
- Southwest Rapid Rewards® Plus Credit Card: 700+ (Good credit)
- Southwest Rapid Rewards® Priority Credit Card: 700+ (Good credit)
- Southwest Rapid Rewards® Premier Credit Card: 700+ (Good credit)...
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