Rewards, Travel

Rewards workaround: Chase points for flights on Southwest

Jeff Herman

Credit card reward redemption can be a puzzle. If you can’t fly for free on points, sometimes you can find a missing piece (points plus cash) to get where you want to be.

That’s how I’m flying to St. Louis this weekend for a surprise party for my aunt’s 70th birthday.


The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of card offers


When I didn’t have enough Southwest Rapid Rewards points to cover the cost of the flights, I remembered Jason Steele’s story for The Points Guy about tips and tricks to redeem Chase Ultimate Rewards points on Southwest.

The end result: My two-plus years of rewards (24,300-plus points, worth $243) with my Chase Freedom card covered all but $47 for the round trip ticket.

How I did it

While it’s true you can redeem Chase Freedom Ultimate Rewards points for Southwest flights, it’s not easy.

Steele’s story prepped me for the ordeal.

Calling the Chase Travel line takes a lot of time, for the agent to find and book the flights and then for the redemption to process. Total time for me? Forty-seven minutes on the phone on a Friday evening.

Another glitch: The promised confirmation email never arrived from Chase, so I was uncertain I really had tickets until the flights showed up on my Southwest account.

The big plus: With Chase Ultimate Rewards I was able to use points and cash to purchase the Southwest tickets for a total of $47. When booking direct at Southwest Airlines, you can’t use points and cash.

Doing the math: While I could have redeemed my Rapid Rewards points for the ticket to St. Louis, I would have had to pay cash for the fare from St. Louis back home to Austin, Texas. That would have cost me about $150.

The flights won’t be pointless. I put that $47 on my Rapid Rewards Plus Visa, so I will earn 1x points good for a future vacation or adventure.

Rental car, hotel earn more points

The rental car was booked through Southwest, so I scored a bonus 1,000 points for using my Rapid Rewards Visa card.

The hotel I booked direct through Drury because I received a lower rate than I would have if I had booked the same room with Southwest to get a points bonus.

Scoring cash back on restaurants

While in the city that made toasted ravioli famous, I’ll use my Amazon Rewards Visa to supersize my rewards with 5 percent cash back.

What this means: With every bite at Cunetto’s House of Pasta or Gus’s Pretzels, I’ll be saving a little off the final bill.

When I land, I’ll check my FiveStars, Belly and SpotOn apps to find out where I can stack my rewards (more on that in a future blog post).

The best part: I’ll get to see my Aunt Lindy, Uncle Rich, my brother and his wife, and my cousins – all for under a total (airfare, hotel, rental car) of $150 with my credit card rewards. It’s been years since I’ve seen my family, so it will be a jam-packed 24 hours.

Follow me on Twitter (@HermanJeff) for some pics and tweets of the whirlwind trip.

See related: Why are Chase Ultimate Rewards points so valuable?How to use credit card rewards to upgrade your flight5 dream vacations funded with rewards

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account numbers, social security numbers, etc. Keep in mind that anything you post may be disclosed, published, transmitted or reused.

The editorial content on CreditCards.com is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company's business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.