Card Combo Calculator
Southwest Companion Pass — Offer Combo Calculator
Compare how today's card offers can combine to help you reach the 135,000 points you need to earn a Southwest Companion Pass. See total annual fees, how short you'd be (if at all), and if there are any restrictions on when you could do your spending.
Log into Southwest and go into your account. This is not your Rapid Rewards points balance. The tracker shows how many Companion Pass qualifying points you have YTD.
✓ Your 10,000-point card boost is already in your tracker number, so it isn't added again below.
Build your own combo Pick the cards you want to compare — the numbers update instantly.
You can only hold one Southwest personal card at a time, so a combo can include just one personal card
Not sure which cards you can open? Check your eligibility → — This calculator compares offers for everyone; it doesn't check your eligibility.
Adjust the offers
These are the current offers. If you already opened a card on a different offer, change the numbers here and the calculator will use yours instead. This only affects what you see on this page.
| Card | Welcome offer | Min spend | Annual fee |
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Quick scenarios
One click pre-fills a scenario — then tweak anything.
The math to 135,000
Spend timing around your December earn date
Compare more combos Click a row for the full breakdown and spend timing.
| Total annual fees | Total Min Spend | Points to 135k Bonus + Spending + Boost | Seats at booking | Where you land |
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All spend counted at 1 point per $1 (card multipliers don't change how fast you reach the pass). The 10,000-point boost counts once per calendar year for holding a Southwest credit card. Deadlines and spend caps in the full plan are shown a little tighter than strictly required, on purpose, as a safety margin. These tools assume you understand the basics from the Southwest Companion Pass Bootcamp. Southwest says no Companion Pass changes are coming, but strategies would shift if that changed — always verify offers against Chase / Southwest before applying.
