Wallet Hacks

How to Get a Southwest Companion Pass Without Spending $110,000 in 2018

For the last four years, since 2014, we've had Southwest's Companion Pass.

And I know I'll have it until the end of next year, 2019, because we re-qualified this year.

I'm not a “travel hacker” or some guru. I'm a regular person like you.

I have little interest in getting a dozen credit cards, joining half a dozen rewards and loyalty programs, and figure out the most efficient way to convert hotel points into airline points into whatever. I don't want to do a spreadsheet to track it all. I don't want to download any calculators.

To the folks who love that stuff, I salute you. I'm a huge nerd myself and love a good spreadsheet, everyone knows that, but travel hacking isn't one of those things.

That said, I see why it's appealing. Going on nearly free trips, staying at swanky hotels for nearly nothing, and getting the most out of a credit card is fantastic.

Here's step by step how I did it.

Before I got the Southwest Companion Pass, I was looking into the whole travel hacking phenomenon. I learned it wasn't for me, except with one exception — Southwest Companion Pass. We live near BWI airport (Baltimore/Washington International, Thurgood Marshall Airport), which is a big Southwest hub, so this was a perfect fit. From BWI, we could fly to many destinations including international airports like Aruba.

It looked like Southwest Companion Pass was the way to go.

How I Got My Southwest Companion Pass

It's very simple — the credit cards.

On the personal and business cards, they will frequently run 50,000 Rapid Reward point promotions. I waited for one of those times.

For years, the standard promotion is 25,000 miles for spending $1,000 in the first 3 months. That's not very good. So they upped it.

Sometimes they offer 60,000 points but that's rare. You can wait for it but I'd rather get the points sooner and fly more. That's a personal choice.

You want the 50,000 points (or more) version (or the 40,000 if you're in a hurry). Anyone with an existing Southwest credit card can refer you to this offer, plus they get 10,000 points too (and those points count towards Companion Pass!).

Learn more about this card and others

The current best promotion for Chase Southwest cards is 40,000 Rapid Reward points if you spend $1,000 in the first three months. Get an additional 20,000 Rapid Reward points if you spend $12,000 within the first year. That's 60,000 Rapid Reward points in total – so adjust the math below accordingly!

How to get the Companion Pass for Southwest Airlines (updated with current promotional amounts):

  1. Get the personal consumer credit card, like the Southwest Rapid Rewards Premier Credit Card, which has a $99 annual fee immediately, and you spend the $1,000 — that's 41,000 points.
  2. Stack on a Southwest Rapid Rewards Premier Business Credit Card too, it runs smilar promotions, which can be as high as 60,000 points for $3,000 of spend in the first 3 months. That also has a $99 annual fee. Don't have a business, read our applying for a Business Card section below because you can have a business.
  3. If you get the Premier and Business cards, spend the minimum, and now you have 104,000 points. Almost there!
  4. Spend an additional $6,000 and… Ding ding – Companion Pass.
  5. Once you hit 110,000 points, you'll get SW Companion Pass for rest of the current year AND the next year!

Remember the Chase 5/24 rule! Chase has a rule that if you've been approved for 5 cards in the last 24 months, you will be declined for new cards. You probably can remember when you applied for a card but if you've forgotten, the best way to check is to check your credit reports.

If you don't see the 50,000 promotion, be patient and wait. The standard 25,000 point version just isn't as good and the 50,000 comes back all the time. Southwest also offers a Southwest Rapid Rewards Plus card (instead of Premier) which has a lower annual fee ($69) and a few other smaller bonuses (3,000 anniversary points instead of 6,000 for example). There are often 40,000 Rapid Rewards point bonuses too – you can take those if you want but 50k is ideal.

So to quickly recap how I earned Southwest Companion Pass (updated with current promotional amounts):

  1. Get Southwest Rapid Rewards Premier Credit Card, spend $1000 in 3 months
  2. Get Southwest Rapid Rewards Premier Business Credit Card, spend $3000 in 3 months
  3. Spend a little more to get over the 110,000 pointh hump!
  4. Profit.

In total, this will cost you $198 in annual fees ($99 x 2), which don't count towards the $2,000/$3,000 spending on either card.

Want other ways to earn RR points without the credit card OR flying? My list of Southwest Airlines money-saving hacks explains how their various point earning programs work, from the Dining program to electricity supplier reward programs.

Common Questions about Companion Pass

If you have questions about the Southwest Airline's Companion Pass or the strategy, you're not alone.

Here are the most common ones I've been asked, hopefully it answers your questions!

What Is Southwest Companion Pass?

Companion Pass lets you name one person who can fly with you for free (you still pay the September 11th fee) anywhere you fly on Southwest. No blackout dates. You fly, they fly free (you still pay fees like the September 11th security fee)

It's an amazing perk and we've saved thousands each year because of it. It's probably one of the best frequent flyer perks out there, and you don't even need to be a frequent flyer. 🙂

To earn a Southwest Companion Pass, you need to earn 110,000 Rapid Reward points in a single year. When you do, you get the Southwest Companion Pass for the rest of the year in which you earned it plus the following year.

If you get it January 1st 2018, you'll have it until December 31st, 2019.

If you get it December 31st, 2018 then you'll only have it until December 31st, 2019!

There's a huge difference. When earning your miles, you want to get it as early in the year as possible to maximize your free flights.

The fastest way to earn miles is by getting the bonuses on their credit card. They often run promotions where you can get 50,000 miles for spending $2,000 in the first three months. More on that shortly.

Best Time to Earn Southwest Companion Pass

You want to get your SW Companion Pass as early in the year as possible since you'll get it for the remainder of the year… plus the next year.

The best time to apply for the cards is near the end of the calendar year. That way you get the cards at the start of the year, hit your spending goals, and earn Companion Pass. If you apply roughly in mid-November, get the cards shortly thereafter, you have three months (December to February) to spend the $2,000 on each card to get the bonus 100,000 miles.

You know your spending habits. Adjust your application date to when you will spend $2,000 each and then another $6,000 to reach 110,000 total points.

Personally, I applied in December, got the cards in January, and reached the spending limits sometime in February. My Companion Pass congratulations email arrived on March 6th, once all the points posted.

Can I Spend My Points Before I Get Companion Pass?

Yes. You don't need 110,000 Southwest Rapid Reward points in your account, you only need to earn 110,000 Rapid Reward points in a calendar year.

So if you earned 5,000 points in January, that's 5,000 towards that year's Companion Pass eligibility.

You can spend those points on flights, your meter will still have the 5,000 points that you earned. If you log into your account and at the top, it'll show your progress towards A-List and Companion Pass:

I've already earned it for 2018 and 2019, so mine is completely blue.

As you accumulate points, it'll fill up to the 110,000 points you need. (A-List is always a tease though!)

Can I get points for both the Southwest Plus and Premier Cards?


Why can't I get both the Plus and Premier cards? On April 5th, 2018, Chase added new language to the terms of the landing page of the promotions:

This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. To qualify for your bonus points, you must make Purchases totaling $1,000 or more during the first 3 months from account opening. Please allow up to 8 weeks for bonus points to post to your Rapid Rewards® account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment.

Booo. 🙁

Can an Authorized User Get the Bonus Later?

When we got our first Southwest credit card, I was worried about putting my wife on as an authorized user because I wanted her to be able to apply for the card and get the bonus in the future. It turns out my concerns were not warranted!

I asked Southwest and Chase on Twitter and they told me that…

If the authorized user hasn't gotten bonus points then they are eligible to get it as the primary cardholder!

What if I cancel my card and re-apply, can I get the bonus?

The basic rule governing this is that you cannot get the same bonus on the same card in any 24 month period. If you opened a Chase Southwest card last year, earned the bonus last year, then you won't be eligible until 24 months after you earned that bonus. If the bonus was awarded in January 2017, you have to wait until at least January 2019 before you are eligible to get that same sign up bonus.

Let's say you're beyond the 24 month period but you're still using the card. Can you cancel today and get the card and bonus again?

Yes… but you have to wait 60 days before you apply for the card. It takes that long for their systems to be updated. If you apply earlier than 60 days, you risk being denied because their systems think you still have an activated account.

The New Southwest RR Priority Credit Card

Southwest and Chase announced a new credit card – the Southwest Rapid Rewards Priority Credit Card.

The basic gist is that you can now get 65,000 Rapid Rewards points in a two-tier bonus promotion.

The first tier is 40,000 points after you spend $1,000 in the first three months. That's the current standard offer of the Premier and Plus cards. Then you get an additional 25,000 Rapid Rewards points after you spend $15,000 in that first year. So the total is 65,000 – their biggest offer yet. After the points from the spending itself and the bonus, you're at a total of 81,000 points – that's only 29,000 points away from Companion Pass.

The annual fee is $149 but you get $75 in Southwest travel credit, so it is effectively $74 – cheaper than the Premier card. Plus you get a lot of other perks, I did a
detailed review of the Southwest Rapid Rewards Priority Credit Card to help you decide.

Other Things to Remember

Before we go into the business card section, some last few thoughts:

Big Change to Southwest Companion Pass qualification RR Points

There was a big change on January 1st, 2017 – the only way to earn Southwest Companion Pass eligible Rapid Reward points:

That means e-Rewards, e-Miles, converted points from hotel and car loyalty partners, Valued Opinions and Diners Club will no longer count towards qualification for Companion Pass. You still get the points, they just don't count towards the 110k you need each year.

Years ago, a popular strategy was to convert Chase Ultimate Rewards points and this change closed that method.


“Spending” without Spending?

Where do you live?

If it has four walls and a roof, chances are you're paying rent or a mortgage. Most landlords and all banks will not let you pay rent or a mortgage with a credit card. Credit cards charge the merchant fees and landlords aren't a fan of those. 🙂

But if you are getting close to a bonus, or Companion Pass, and just need a little more to get there… using a service like Plastiq to pay your mortgage is an option.

They charge fees, because they pay the merchant fee to the credit card, but if you need a few hundred or a few thousand points to get to the bonus and time is running out, it might be worth it.

Applying for the Business Credit Card

If you have a business, awesome! (if you don't, your best option is the Personal Plus card)

Use all the information you have from that.

What if you don't have a business? You're in luck, you might have a business and not even know it. In the United States, if you earn income outside of a job reporting your income on a W-2, then you are operating a sole proprietorship. You don't need to be incorporated, you don't need to have any employees, and you don't even need to make that much money.

In fact, if you've made a profit three out of the last five years, the IRS considers that a business and not a hobby.

Get an Employer Identification Number. It's free, nearly instant, and you never need to use it.

Getting an EIN won't guarantee you'll be approved but it's a step up from using your Social Security Number on the application.

If you want to really improve things, get yourself a website.

Otherwise, fill in the application truthfully.

Here are some more tips on getting a business credit card.

Pending Review???
Once you apply, your application will be approved or “pending review.” Pending review is not always bad but it means they couldn't verify your business or need more information.

Wait a day or two, then call the reconsideration line and ask them that you'd like to check on the status of your application. Be prepared to answer these types of questions about your business:

Whether they approve you will be up to the representative but here are a few tips for a reconsideration call.

When I got the card, I had to call the reconsideration line even though I've had a revenue-generating business for years. They can't verify anything on the application through a third party so the approval process is effectively the same as for the personal card. And remember, when I applied, I told them I was a blogger.

How much have we used it?


I can't even remember the last time we flew an airline other than Southwest. We've since gotten a few flights to New York to visit my parents, Boston to visit my sister and her family, plus vacations to San Juan, PR and soon a flight to Aruba.

The most expensive flight we've gotten for “free” (you pay taxes and fees) will be the one to Aruba. That baby cost me $727.50 and will cost my lovely wife just $70.60. That comes out to be just under $400 per person.

$400 for a direct flight to Aruba? I'll take it.

The 110,000 points we get via promotions are valuable too. They're worth about 1.77 cents on the best Wanna Get Away fares ($108 o/w from BWI to ISP), so that's worth about $1900+ in and of itself.

All in all, this experience has been a very positive one.