You need a credit score of at least 700 to be approved for a Southwest Airlines credit card, which is considered good credit. If your credit score is below the threshold needed for a Southwest Airlines credit card, it’s best to wait to apply until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Southwest Airlines Credit Score Requirements by Card
Your credit score is an important factor, but there are plenty of other things that will impact your chances of being approved for a Southwest Airlines credit card, too. Some other key criteria include your income, existing debt load, number of open credit accounts, recent credit inquiries, employment status and housing status.
Chase may use any of the three major credit bureaus to evaluate credit card applications for approval: Experian, TransUnion and/or Equifax. The credit bureau that Chase will pull your credit report from depends on which state you live in and which Chase credit card you apply for.
Reports from forums around the internet seem to suggest that Chase pulls Experian credit reports more often than the others. But they use all three major credit bureaus in some states.… read full answer
Keep in mind that Chase doesn’t release this information, so it’s impossible to be certain about which bureau they will pull your report from.
It is hard to get a Southwest credit card because they require at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for a Southwest credit card credit card.
Keep in mind that while the credit score requirement is the main thing that makes a Southwest credit card credit card hard to get, there are other requirements you will have to meet to get approved. As with all credit cards, you’ll need to have a steady income that’s big enough to handle the card’s credit limit, and you must be at least 18 years old.
Finally, it’s important to note that even if you exceed all of the requirements to get a Southwest credit card, you’re never guaranteed to get approved, though your odds are good.
One of the easiest airline credit cards to get is the United Gateway℠ Credit Card, which requires good credit for approval. There are no airline-affiliated credit card offers for people with lower credit scores right now.
Overall, the easiest credit card to get with good travel rewards is the Bank of America® Customized Cash Rewards Secured Credit Card… read full answer because you can get approved even if your credit is bad. You just have to place a security deposit of at least $300, which will serve as your credit line. The Bank of America Custom Cash Secured Card rewards cardholders with 1 - 3% cash back and comes with a $0 annual fee.
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