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I fly from North Carolina to Orlando two to three times each year to visit Walt Disney World, and I almost never pay for airfare on Southwest.
How do I pull this off? I fly for (almost) free using points earned from a Chase Southwest credit card.
In this post, I’ll show you how to earn tons of Southwest points and how to use them to visit your favorite destination more often!
How I Earn LOTS of Southwest Points
Southwest’s frequent flier program is called Rapid Rewards.
The two main ways I’ve earned Rapid Reward points are by:
- Opening a Southwest credit card
- Referring friends to this card
These are both ways that you, too, can earn points and fly to Orlando (or anywhere) for practically free, and I’ll explain them in detail below.
There are now FOUR different Southwest cards offered by Chase, and when you open one and meet the minimum spending requirement, you’ll earn a huge number of Rapid Rewards points.
The first card I opened was the Chase Premier Southwest Rapid Rewards Visa (this is my referral link), and it is still my favorite card!
The newest offer for this card is for 40,000 points after spending $1,000 in the first three months, which is likely enough to fly your family to Orlando for almost free!
Until February 18th, 2020 you can earn an additional 35,000 points when you spend $5,000 in the first six months. This almost double the value of the sign-on bonus and is the best welcome offer ever!
Two Important Notes
- You will NOT be approved for this card if you have opened more than five new credit cards (with any bank) in the last 24 months, regardless of your credit score. This is called Chase’s “5/24 rule” and it applies to almost all of their cards now.
- Keep in mind that I only recommend opening a new credit card if you have a history of using credit responsibly and paying your bills on time.
- Right now the Plus Credit Card is offering the same 75,000 point bonus for the lowest annual fee ($69) so it’s the best bang for your buck!
What Are Southwest Points Worth In Money?
Above is a comparison of points versus cash for the same (very cheap) flight to Orlando (MCO) from my home airport, RDU.
As you can see, the $49 flight will use 2,510 points. So for this flight, 2500 points is roughly $50 in value.
That works out to about 2 cents per point, which means if you earn the full 75,000 point bonus you’ll get $1,500 in free flights!
As you can see, this bonus is worth far more than a standard credit card welcome bonus of $200-$500.
How Far Will 40,000 Southwest Points Go?
The reason I am able to visit Walt Disney World several times each year and still have points to spare is that I use them wisely!
My secret is to use the “Flexible Dates” search option on Southwest’s site which you can find it on the homepage – it is circled in red in the image above.
Searching by the month will show you the best dates to travel to get the most out of your points. As you can see, I can fly to Orlando from Raleigh Durham for only 3,081 points on many days in June.
That means I can take up to TWELVE one-way flights with the 40,000-point sign-on bonus!
When you redeem your points for a flight, you will still have to pay a $5.60 security fee each way. So a round trip flight to Orlando to visit Disney World costs me $11.20 per person.
Does The Southwest Card Have An Annual Fee?
There is a $99 annual fee for this card that is not waived the first year. However, you will receive 6,000 points every year on your card member anniversary, which are worth more than $99 in airfare. So you won’t be paying an annual fee for nothing, which is why I keep this card in my wallet year after year.
Can I Get Both a Personal Card & a Business Card?
Yes! This is exactly how I earned my companion pass the first time.
If you run a small business or have a side hustle, you may be able to qualify for a Chase Southwest Small Business Card in addition to a Chase Personal Card.
If you do anything that makes money aside form your main job, then you likely can qualify for a small business card. This includes:
- Selling things on Etsy or eBay
- Blogging or freelancing
- Driving for Uber or Lyft
- Hosting on Airbnb
Basically anything that has the potential to turn a profit can allow you to qualify for a small business card. Your personal credit report will be pulled for the application and you personally are liable for spending on the card.
I earned a whopping 70,000 points after opening my Southwest Performance Small Business Card. There is an annual fee of $199 (not waived the first year) but this card has incredible benefits, including:
- TSA Precheck Credit
- Free wifi on all Southwest flights
- 9,000 anniversary points
- Four upgraded boardings per year
I feel like I am getting tremendous value from my small business card and plan on keeping it from year-to-year.
How Do I Earn Point By Referring Friends?
The other main way I earn Southwest points for our travel to Disney World is by referring my friends (and readers here on the blog) to the Southwest card.
I genuinely love this card and the benefits it provides. I think you will, too, and you will want to share the card with your friends and family!
You can get a unique referral link for your Southwest card on the Chase site here, and start sharing your link. If someone signs up for the card through your link, you’ll get 10,000 points deposited into your account. This is a great way to earn points year after year just by sharing about a product that you love!
When Will I Get My Bonus Points?
Your points will be automatically deposited into your Rapid Rewards account a few days after the end of the billing cycle during which you met the spending requirement. Then you are ready to start booking flights!
How Will Opening This Card Affect My Credit Score?
One common concern folks have about opening new credit cards is how it will affect their credit score.
I regularly open new cards to earn signup bonuses and my score has done nothing but rise over the years to over 800. This is because when you open a new line of credit your overall credit limit increases (good for your credit score), which means if you ever carry any balance your debt-to-credit ratio goes down (also good for your credit score).
Opening a new card like this is particularly helpful if you plan to keep it for many years to come- which I recommend that you do to get your annual point bonus! This will eventually increase the average age of your credit lines, also increasing your credit score.
What Else To Consider About the Southwest Credit Card
Here are some other points to consider about flying with points on Southwest:
- You can change or cancel your award flight at any point with no penalty (unlike other airlines which charge hefty change fees)
- There are three other cards you can add to your wallet and you can earn the sign-on bonus on each card
- The sign-on bonus from the cards counts towards earning a Companion Pass, which can stretch your miles even farther!
I hope this post showed you how I am able to fly to Disney World several times each year for practically free.
I have helped several readers through the process of opening a Southwest credit card to earn points and I am happy to answer any questions you might have! You can leave a comment on this post or contact me here.