October 1, 2024 / Sara Bauer
The Southwest Companion Pass is probably the greatest points and miles strategy out there. The holder of the Companion Pass can add another person to their reservation for free (+ the usual $5.60 in taxes), with no limits on how many flights you take! There are no restrictions, no black out dates, no limits to how many times you can use it… it’s unlimited buy-one-get-one-free flights as long as the Companion Pass is in your account! Did you know that you can earn the Companion Pass without a single flight– all it takes is signing up for 2 credit cards. If you play your cards (ha) right by timing your applications and sign-up bonuses juuuusssssttttt right, it’s possible to earn the Companion Pass for nearly two years.
Though easy, it’s very important that you carefully follow the directions listed in this resource to earn your Companion Pass. If you break the most important rule, you could compromise your chance at earning the coveted pass.
As you follow the steps listed below, reach out on our Facebook Community to ask any questions and let us celebrate your Companion Pass with you! Also, if you don't already have a friend or family member's referral link, we'd so appreciate if you used ours! This allows you to support our work at no cost to you. Links are included below and can also be found on the "Our Favorite Cards" page of our website.
In order to earn the Companion Pass, you need to earn 135,000 qualifying points in a single calendar year. These points can be earned in a variety of ways- including Southwest co-branded card welcome and referral bonuses. That will be our focus here. This strategy allows you to earn the Companion Pass in one of two ways:
For a single Companion Pass, you’ll need to sign up for 2 credit cards.
For two Companion Passes in your household, you’ll collectively sign up for 3 credit cards.
When you earn a Companion Pass, it is awarded to your account for the remainder of the calendar year + the next full year. So for example, if I earn the Companion Pass in June of 2024, I’ll have it from June-December 2024 and all of 2025. If you follow this strategy, you can time it *just* right to earn the Companion Pass as early as possible in 2025 so you can enjoy it the rest of the year + all of 2026.
If you learn nothing else from this resource, let it be this: do NOT, (I mean seriously, do not) meet the spending requirements for your cards before January 1st. If you accidentally finish one spend requirement in December and the points post, you’ll miss out on the opportunity to gain your Companion Pass. Best case scenario if that happens- you could rush to complete the second card’s spend, but you’d still only earn the Companion Pass for the rest of that December, and the following year (instead of two full years).
If you aren’t able to put thousands on two cards within a short amount of time, we recommend these things to avoid going over the spending threshold early:
Don’t add the card to any online wallet to avoid it being a default card (for example- Amazon could be dangerous with this)
We recommend leaving at least $500 left in the spending requirement if you are working on it before January 1st.
Inform your spouse of this rule, and emphasize the importance of keeping it
Consider making any big purchases in January- could you pay your taxes with this card? Or charitable contributions? Your child’s tuition?
Note for Personal cards: One important rule with Southwest co-branded personal cards: you can only hold one at a time. If you already have a personal card, you'll need to either close it and wait at least 30 days, or use the alternative companion pass strategy (two business cards).
Note for Business cards: Not sure that you qualify for a business credit card? Almost everyone does! A few examples of businesses: selling or buying used items on Facebook Marketplace, babysitting, consulting, owning a rental unit, and online blogging. Here is a helpful reel explaining how to apply for a business card!
If you’d like to earn one companion pass for 2025-2026, follow the steps listed below carefully.
This strategy could be helpful if you’re trying to preserve your 5/24 slots.
This strategy makes it possible for both player one and player two to hold the Companion Pass (especially great for families with more than one child). It capitalizes on both the sign-up bonuses AND referral bonuses, so you must wait until the very end of December to start. Because all of our spending, referrals, and sign up bonuses will take place in 2025, the timing is a bit more relaxed (except for the 90 day timeline you have for meeting a sign up bonus). This could be helpful for a household that might not be able to meet all minimum spends right at the beginning of January, but will also mean that you won’t receive your Companion Pass as quickly (it just depends on when you can meet your minimum spends).
You will need to be under 5/24 to be approved for any of these cards. Also, Chase can sometimes be sensitive to individuals who hold multiple business cards already, so if you have signed up for several Ink Business cards in the last year, there is a chance that you will be denied for any of the Southwest Business cards. Make sure earning the Companion Pass is in your long-term card strategy, and take a break from Chase cards for a few months before.
Even though this is an amazing deal, don’t let FOMO talk you into something that doesn’t make sense for you. Take the two annual fees you will pay into consideration as you decide if you will go for the Companion Pass. We think it’s worth it if you plan to fly Southwest at least 2 or 3 times each year. (Plus, you’ll have at least 125,000 points to work with 😉).
Can you comfortably meet the spending requirements? It’s never worth over-extending yourself financially (for any great deal) if you’re not able to complete the minimum spend with your everyday expenses. Here is the total for the minimum spends you will need to meet for each strategy:
Personal card + Business card = $6,000
Two Business cards = $8,000
Two Player, Two Companion Pass (three cards) = $13,000
“When I earn the Companion Pass, do these points go away?”
No! We love this part of the Companion Pass- you don’t need to cash out any points once you’ve crossed the threshold. This means you’ll have at least 125,000 points to spend.
“What if I can't spend $6,000 in one week (meeting the minimum spend in January)?”
Most people can't comfortably spend thousands of dollars in one week (unless you have a big purchase planned). If you have to start working on your minimum spends before January, we recommend leaving AT LEAST $500 on your minimum spend to be sure it doesn't go over before the first of the year. Be absolutely sure your card isn't used automatically (for example: a subscription on Amazon), as it can compromise your chance at earning the CP if you go over too early.
“Can I add my companion on flights I’ve booked with points?”
Yes! The only limit to your CP is if a flight does not have a seat left.
“Do I need to keep these cards open for the full two years to keep my Companion Pass?”
No, you are free to downgrade or cancel these cards after the annual fee hits at the one year mark. If you cancel within 30 days of the annual fee, Chase will refund it.
“Can I change my companion once they are added?”
Yes! You are allowed to change your companion three times each calendar year. One note with this- be sure that you don’t have flights booked with the previous companion if you’d like to change.
“Will the Companion Pass be in my account immediately after I reach the 135,000 points threshold?”
No, it may take a few weeks to post to your account. You should receive an email when it is added. One trick here: Call Chase to move up your Statement date to a few days after your charges will post (for example, I know that I can make my final big charge on January 1st, so I could change my statement date to January 4th). You might need to do this a month or so before. This *may* speed things up.
“I can transfer points from my Chase Sapphire card to Southwest. Would those count toward the Companion Pass?”
No, only points earned through Southwest co-branded cards would count.