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Can you prequalify for a Southwest credit card?

Editorial and user-generated content is not provided, reviewed or endorsed by any company. The only way you can get pre-approved for a Southwest credit card is through an offer in the mail. You cannot check for pre-approval for these cards online.



Yes, you can often prequalify for a Southwest Rapid Rewards credit card through the Chase website without impacting your credit score. Chase, the issuer of Southwest cards, provides a "Check for Offers" tool that uses a "soft pull" of your credit to see if you are a likely candidate for their Premier, Priority, or Plus consumer cards. If you are prequalified, you will see a specific offer with a set interest rate and sign-up bonus; however, a "hard pull" will still occur if you proceed with the final application. In 2026, this is a smart way to gauge your chances of approval before committing, especially if you are aiming for a Companion Pass boost. Always ensure you are logged into your Southwest account when checking, as targeted offers with higher point bonuses are frequently made available to loyal Rapid Rewards members.

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Like other travel rewards credit cards, you'll likely need at least a good credit score to qualify for any of the Southwest Rapid Rewards cards. A good credit score, according to FICO®, is a score of 670 or above.

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Getting denied for a credit card does not affect your credit, so you don't have to worry about that. However, you might see a slight drop in your credit score due to the hard credit inquiry associated with your credit card application.

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Since the card is a co-branded Chase credit card, applicants should also limit the total number of credit cards they get — Chase's 5/24 rule means that applicants who have gotten five credit cards or more in the past 24 months will automatically be rejected for a new card.

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Generally speaking, to get approved for a Southwest Airlines credit card, you'll likely need a good to excellent credit score. This usually translates to a score in the ballpark of the upper 600s to the 700s and beyond.

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You can use your Southwest Priority Card instantly after approval if you apply for it while booking a flight. You might also be able to add the Southwest Priority Card to a digital wallet, but it's not guaranteed.

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