Two adults can each earn a pass and each bring a different companion. In the three-card example below, one adult earns two referral bonuses from the other adult’s applications. Those referrals must qualify and post in the right year; otherwise, the first adult falls short.
Who applies for which card
We’ll call the adults Traveler A and Traveler B. A earns a Performance Business welcome bonus, then gets a personal Southwest referral link from Chase. B uses that link to apply for a Performance Business card and a Plus personal card.
This example assumes Chase awards A 20,000 referral points for each approved application. A adds those points to their own bonus and purchase rewards. B earns the bonuses and purchase rewards on their two cards. Both people need to be eligible for their cards and bonuses, and both referrals need to qualify.
Track each person’s points separately
| Qualifying source | Traveler A | Traveler B |
|---|---|---|
| Performance Business welcome bonus | 80,000 | 80,000 |
| Plus welcome bonus | None | 50,000 |
| Two eligible referral bonuses | 40,000 | None |
| Points on required purchases at 1 point/$1 | 5,000 | 6,000 |
| One annual credit-card qualification boost | 10,000 | 10,000 |
| Projected qualifying total | 135,000 | 146,000 |
| Redeemable points from the listed earnings | 125,000 | 136,000 |
The 10,000-point qualification boosts aren’t redeemable. This example gives you 261,000 redeemable points across two accounts, not 281,000. The annual-fee example is $299 + $299 + $99 = $697, and the combined required purchases are $11,000. These figures use the dated offer snapshot, not guaranteed future offers.
Traveler A’s timing needs extra care
Traveler A’s example lands exactly at 135,000. If one 20,000-point referral bonus posts in December while the rest posts in January, A doesn’t qualify from the listed new-year earnings. Applying for B’s cards before January to “get ahead” can therefore undermine the plan.
Plan the year of the referred applications and allow the referral terms’ full posting window. A referral bonus isn’t controlled by B’s minimum-spending completion date. Track it as a separate earning event. Don’t assume both referrals to the same person will be paid; confirm current terms and the individual’s eligibility.
Give the plan a margin for refunds or delayed credit. If A can’t reliably earn both referrals in the intended year, compare a different card or other eligible earning route instead of assuming customer service will move the points.
A sensible sequence
- A confirms eligibility, opens the first card and records its offer and purchase deadline.
- A obtains a working personal referral link through the official Chase referral program.
- Both travelers decide which calendar year must receive all qualifying rewards.
- B checks the offers available through A’s link and applies only when eligible and when the timing fits.
- Each traveler meets their own purchase requirements and tracks their own rewards.
- After both passes are awarded, each traveler designates a different companion and checks the expiration date.
For a household with two children, each adult could designate one child. This doesn’t create a four-person pass; it creates two independent holder-and-companion pairs.
Taking turns earning a pass
If you usually travel as a couple, you may be able to take turns earning a pass in different years. Check each person’s bonus history, card eligibility and travel dates before planning the next application.
Keeping two passes at once means both people need to qualify separately. You can’t assume you’ll get another welcome bonus every January or exactly 24 months after opening a card. The date you received the last bonus and the current offer restrictions matter.
For Traveler B, check the Southwest offers available through our referral link and compare them with the dated example before applying. The example’s referral points and timing aren’t guaranteed.
We may receive a referral bonus if you apply through this link and qualify. The available offer may differ from Chase’s public offers.