Can I cancel my Southwest credit card?

You can cancel your Chase credit card by calling 1-800-432-3117, or online by signing in to your account. Don't forget to pay any outstanding balances you might have before cancelling. Also keep in mind that cancelling a card could hurt your credit score. It's best to just leave it open and unused.



Yes, you can cancel your Southwest Rapid Rewards credit card at any time, but you should be aware of how it affects your points. Under the 2026 terms and conditions, Rapid Rewards points do not expire as long as your account remains open; however, if you close your Southwest account entirely, the points are forfeited. If you simply cancel the credit card but keep your Rapid Rewards loyalty account active, your existing points remain safe and can still be used for flights. Crucially, any points you earned from spending will stay in your loyalty balance. However, you will lose card-specific perks like the annual "Anniversary Bonus" points, "EarlyBird Check-In" credits, and the ability to earn the Companion Pass through credit card spending. Before canceling, many savvy travelers consider "downgrading" to a no-annual-fee version to preserve their credit history.

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And you can't simply cancel one card and open another, either: Timing and restrictions on how often you can earn bonuses mean that won't work. But you can easily bridge this gap by applying for the Southwest® Rapid Rewards® Performance Business Credit Card and earning its 80,000-point bonus.

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So, while there is no absolute number that is considered too many, it's best to only apply for and carry the cards that you need and can justify using based on your credit score, ability to pay balances, and rewards aspirations.

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