As with most lucrative rewards cards, Southwest credit cards likely require a good to excellent credit score. FICO defines a good credit score as a range between 670 to 739. A very good score ranges from 740 to 799, while an excellent score begins at 800.
Before applying for a Southwest card, be sure to check your credit score to see if you’re likely to get approved. Keep in mind that other factors can affect your application, like payment history, other existing debt and the number of recently opened accounts.
Pro Tip
Southwest periodically offers a points rebate on award flights. Keep an eye out for these offers to get the most out of your Rapid Rewards points.
How Hard Is It To Get a Southwest Credit Card?
Southwest’s credit cards will likely require a good or better credit rating, meaning applicants will likely need a score of 670 or higher on the FICO scale. The higher your credit score and better your income, the more likely you will be approved, but no specific credit score guarantees approval. Since all the Southwest credit cards also charge annual fees, a financial barrier to entry exists as well.
How Long Does It Take To Receive Approval for a Southwest Credit Card?
Applications for Chase-issued cards may be approved or denied immediately when an application is submitted online or over the phone, but by law, an issuer must provide the reasons your application was denied in writing within 30 days.