How do you resolve which of Southwest Airways’ implausible enterprise bank cards to use for — the Southwest Speedy Rewards® Efficiency Enterprise Credit score Card or the Southwest Speedy Rewards® Premier Enterprise Credit score Card?
At the moment, we’ll have a look at how these two playing cards stack up and aid you reply an vital query: Which Southwest enterprise bank card is best for you?
Associated: Evaluating the Southwest Speedy Rewards Precedence, Premier and Plus bank cards
Efficiency Enterprise vs. Premier Enterprise overview
| Southwest Speedy Rewards Efficiency Enterprise Credit score Card | Southwest Speedy Rewards Premier Enterprise Credit score Card | |
|---|---|---|
| Annual charge | $199 | $99 |
| Signal-up bonus | Earn 80,000 factors after spending $5,000 on purchases within the first three months from account opening. | Earn 60,000 factors after spending $3,000 on purchases within the first three months from account opening. |
| Incomes charges | 4 factors per greenback spent on Southwest purchases
3 factors per greenback spent on Speedy Rewards resort and automobile rental companion purchases 2 factors per greenback spent on native transit and commuting (together with ride-hailing providers); on social media and search engine promoting; and on web, cable and cellphone providers 1 level per greenback spent all over the place else |
3 factors per greenback spent on Southwest purchases
2 factors per greenback spent on Speedy Rewards resort and automobile rental companion purchases, and on native transit and commuting (together with ride-hailing providers) 1 level per greenback spent all over the place else |
| Anniversary bonus factors | 9,000 | 6,000 |
| Elite qualifying advantages | Earn 1,500 tier qualifying factors for each $5,000 in purchases | Earn 1,500 tier qualifying factors for each $5,000 in purchases |
| Perks and assertion credit | Reimbursement for as much as 4 A1-A15 boarding passes per anniversary yr when obtainable
As much as 365 $8 inflight Wi-Fi credit per yr (covers all-day passes) As much as $120 each 4 years to cowl enrollment charges for International Entry, TSA PreCheck or Nexus |
Two EarlyBird Verify-Ins every anniversary yr
25% again on inflight purchases |
Efficiency Enterprise vs. Premier Enterprise welcome bonus
The present gives on each playing cards are removed from one of the best gives we have now seen, so in case you’re after a bigger stash of Speedy Reward factors, it could be value ready for a greater provide.
Winner: Southwest Efficiency Enterprise. The bigger welcome provide makes this card a straightforward choose over its sibling.
Efficiency Enterprise vs. Premier Enterprise advantages
When evaluating an entry-level card to its premium competitors, the important thing query to ask your self is, “Do the elevated advantages outweigh the extra value of the annual charge?” On this case, the Southwest Efficiency Enterprise prices $100 extra annually than the Southwest Premier Enterprise, in order that’s the edge for added advantages it must be value it.
The Efficiency Enterprise begins robust by providing 9,000 bonus factors in your account anniversary versus 6,000 with the Premier Enterprise. As of March 2025, TPG values Southwest factors at 1.35 cents every, and since Southwest makes use of a revenue-based award pricing mannequin, you must be capable of rating this precise redemption worth with none actual work. The Premier Enterprise anniversary bonus is value $81, whereas the Efficiency Enterprise anniversary bonus is value $122.
The subsequent standout advantage of the Efficiency Enterprise card is the Wi-Fi credit score. Primarily, you should buy an $ 8 day go daily of the yr, or not less than as many days as you really fly Southwest. For enterprise vacationers who worth their time, this can be a nice perk that may be extremely priceless. For those who fly Southwest simply eight instances per yr, your Wi-Fi credit would come out to $64 and nearly cowl the distinction within the annual charge for the Efficiency Enterprise card.
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For those who fly greater than that, the selection turns into even clearer. The Efficiency Enterprise card additionally comes with 4 space-available A1-A15 precedence boarding passes. As a cardholder, you buy the upgraded boardings utilizing your Efficiency Enterprise card and are reimbursed for as much as 4 purchases. Southwest costs between $30 and $80 per round-trip flight for these, so even on the low finish, this represents $120 a yr in extra financial savings.
Winner: Southwest Efficiency Enterprise. Increased annual charges typically deliver higher advantages, and the Efficiency Enterprise does not disappoint.
Associated: Are airline bank cards value it anymore?
Incomes factors with the Efficiency Enterprise vs. Premier Enterprise
The Efficiency Enterprise gives 4 Speedy Rewards factors per greenback spent on Southwest purchases as a substitute of the three factors per greenback spent you may earn with the Premier Enterprise, plus 3 factors per greenback spent on Speedy Rewards resort and automobile rental companion purchases as a substitute of the two factors per greenback spent with the Premier Enterprise. You will additionally take pleasure in 2 factors per greenback spent on native transit and commuting (together with ride-hailing providers) with each playing cards, although the Efficiency Enterprise additionally gives 2 factors per greenback spent on social media and search engine promoting and on web, cable and cellphone providers.
In fact, there’s nonetheless a compelling case to go for the Premier Enterprise as a substitute. For those who fly Southwest solely often — and do not spend tons on social media and search engine promoting or web, cable and cellphone providers — you may not be capable of get the total worth out of the Efficiency Enterprise’ incomes charges.
Winner: Southwest Efficiency Enterprise. Its increased incomes charges and additional bonus class make it a winner towards the Premier Enterprise.
Associated: Simple methods to earn Southwest Speedy Rewards factors
Redeeming factors with the Efficiency Enterprise vs. Premier Enterprise
Redeeming Southwest factors is a straightforward on-line course of when reserving flights on the Southwest web site. As a substitute of paying with money, you select the “Factors” possibility, and the web site will show the corresponding award pricing to your chosen itinerary. You will need to observe that, like with any airline’s award tickets, extra taxes and costs are nonetheless relevant, beginning at $5.60 per approach. Nonetheless, tickets booked with factors are absolutely refundable, and there aren’t any penalties for cancellations so long as you cancel not less than 10 minutes earlier than the scheduled departure time.
Redeeming the factors you earn in your Southwest enterprise playing cards can unlock new alternatives for your loved ones and your online business. Because of Southwest Speedy Rewards factors, TPG Managing Editor Erica Silverstein was in a position to take her household on their first large theme park journey.
Whereas Southwest additionally gives worldwide flights, resorts and automobile leases via its journey portal, the charges for these choices are usually not as favorable as when utilizing your factors for Southwest-operated flights.
Winner: Tie. Since each playing cards have the identical redemption choices, there isn’t any clear winner right here.
Associated: Southwest Speedy Rewards is now providing Money + Factors redemption
Ought to I get the Efficiency Enterprise or Premier Enterprise?
Associated: How to decide on an airline bank card
The way to change from the Efficiency Enterprise to the Premier Enterprise
Whereas it’s potential to change between these two playing cards, it is a greater concept to open each so that you simply aren’t lacking out on bonus factors from their welcome gives. That being stated, if you wish to change between these two playing cards, you may must name Chase’s customer support and request the product change. You will not be capable of do it on-line or via the app.
Earlier than switching, see in case you can safe a suggestion to improve your Premier Enterprise to a Efficiency Enterprise.
Associated: Full information to downgrading and product-changing to earn sign-up bonuses on Chase Sapphire playing cards
Backside line
Irrespective of which Southwest card you resolve to use for, you must be capable of earn appreciable worth. You will get nice Southwest perks and incomes potential with both card. The precise one for you’ll merely boil all the way down to your online business wants and priorities.
To study extra, learn our full opinions of the Southwest Efficiency Enterprise and Southwest Premier Enterprise.
Apply right here: Southwest Speedy Rewards Efficiency Enterprise Credit score Card
Apply right here: Southwest Speedy Rewards Premier Enterprise Credit score Card
Associated: Airline bank cards vs. journey bank cards: That are finest?
