Opening a business card requires you have a small business or you are preparing to open a small business, and the $25K spending requirement within the first 6 months is pretty high. However, once you hit $25K spending, you will earn at least 125,000 points which are more than enough to earn you Southwest Companion Pass, which normally requires 110,000 points in a calendar year and allows you to take a companion for free (you pay for your ticket and the taxes and fees for your companion) as many times as you could for the rest of 2020 and the entire 2021. This is arguably the easiest way to qualify for the lucrative status.