The Southwest Premier Card uses either Experian, Equifax or TransUnion for approval.
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You need a credit score of 700 or higher to get a Southwest Airlines credit card, as at least good credit is required for approval. If your credit score is below the threshold, it's best to wait and apply after you meet the credit score requirement. You can check your credit score for free, right here on WalletHub.
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.
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.
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.
The easiest airline credit cards to get approved for are those available to people with good credit that also charge annual fees, such as the Southwest Rapid Rewards® Plus Credit Card.