On Southwest Airlines in 2026, you are limited to using a maximum of three forms of payment per passenger in a single transaction. Each individual "Flight Credit" (formerly known as travel funds) counts as one form of payment. This means if you have three separate credits, you can use all of them to pay for one ticket, but you will not be able to use a credit card for any remaining balance. If you have more than three credits, you cannot combine them directly in one booking. The high-fidelity "workaround" is to use two or three credits to book a "placeholder" flight, cancel it immediately (since Southwest credits never expire), and the system will often issue you a single, consolidated flight credit for the total value. You can then use this new, high-fidelity "mega-credit" alongside other funds in your next transaction. It is a high-fidelity necessity to ensure the name on the credits matches the passenger exactly, as flight credits are non-transferable unless they originated from a "Wanna Get Away Plus" fare.