Obtaining a Southwest Rapid Rewards credit card (issued by Chase) with a 630 credit score is very challenging and statistically unlikely. Chase typically looks for a "Good" to "Excellent" FICO score, which generally starts at 670 or higher. A score of 630 is considered "Fair," and while not an automatic rejection, it would require exceptional mitigating factors, such as a high income and a very low debt-to-income ratio. In 2026, banks have tightened lending standards slightly, making the 670-700 range the reliable threshold for approval. If your score is 630, it is highly recommended to improve it by 40 points before applying to avoid a "hard inquiry" on your report that could further lower your score without the benefit of a new line of credit.