Rob, you need to wait til the 50,000 pt offer comes back. And then get the personal and the business card. Charge $10k and you'll have 110,000 pts which qualifies you for the companion pass. Then your companion will fly for free for the remainder of that year and the next year! (So you can get up to two years of free travel). And you can change your companion several times too.

Here is a good write up about it.

http://millionmilesecrets.com/2014/0...ompanion-pass/

Personally I wouldn't sign up for the SWA CC until the 50,000 pt offer is available.