Southwest Speedy Rewards Efficiency Enterprise Credit score Card overview
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Southwest Efficiency Enterprise card is a step up from the Southwest® Speedy Rewards® Premier Enterprise Credit score Card, providing a powerful sign-up bonus, a greater rewards construction and a pleasant array of perks that make the upper $199 annual payment properly price paying for loyal Southwest flyers.
The really useful credit score rating for this product is 670 or above.
Let’s dive into the professionals and cons of this enterprise card.
Southwest Efficiency Enterprise Card professionals and cons
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Southwest Efficiency Enterprise Card welcome provide
TPG’s March 2025 valuations peg Southwest miles at 1.35 cents every, which means this bonus is price $1,080.
Keep in mind to test your eligibility earlier than making use of for this card. It’s topic to the Chase 5/24 rule, and there are restrictions on how usually you possibly can earn a Southwest welcome bonus.
Associated: Easy methods to shortly earn the Southwest Companion Cross
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Southwest Efficiency Enterprise Card advantages
Free checked bag: Southwest has introduced that it’s going to begin charging for checked luggage starting Could 28, however Southwest cardholders will nonetheless obtain one free checked bag.
4 Upgraded Boardings: Every anniversary yr, you may be reimbursed for as much as 4 A1-A15 boarding passes, which let you be among the many first to board. As a result of Southwest would not assign seats, Upgraded Boarding helps you to guarantee you possibly can seize the seat you need (and have room within the overhead bins). Upgraded Boarding passes are topic to availability.
9,000 anniversary bonus factors: Every year after your account anniversary, you may robotically obtain 9,000 bonus factors. Which means you are basically getting $122 price of factors every year after the primary yr only for being an lively cardholder, based mostly on TPG’s March 2025 valuations.
Inflight Wi-Fi credit: Southwest will reimburse you for as much as 365 $8 inflight Wi-Fi purchases as an announcement credit score. In different phrases, you can buy an all-day inflight Wi-Fi cross every single day of the yr, and Southwest would cowl it.
Standing Increase: You will earn 1,500 tier-qualifying factors per $5,000 you spend on purchases in a calendar yr that can assist you attain elite standing quicker. There is no restrict on the variety of TQPs you possibly can earn.
World Entry or TSA PreCheck: As soon as each 4 years, you possibly can obtain an announcement credit score (as much as $120) to your World Entry or TSA PreCheck software payment.
Free worker playing cards: You pay no payment for extra worker playing cards and can earn factors on worker spending. You may set spending limits on worker playing cards by calling cardmember companies.
$500 payment credit score for factors transfers per yr: Switch factors to a different Speedy Rewards member, and as much as $500 in charges related to the switch will probably be reimbursed every account anniversary yr.
Associated: Is the Southwest Efficiency Enterprise Card well worth the annual payment?
Incomes factors on the Southwest Efficiency Enterprise Card
Because the extra premium enterprise card, the Southwest Efficiency Enterprise card has the next incomes charge than different Southwest card choices. You will earn:
- 4 factors per greenback on Southwest Airways purchases
- 3 factors per greenback on Speedy Rewards lodge and automobile rental companions
- 2 factors per greenback for native transit and commuting, together with ride-hailing companies
- 2 factors per greenback for social media and search engine promoting
- 2 factors per greenback for web, cable and cellphone companies
- 1 level per greenback for all different eligible purchases
That is a 5.4% return on Southwest purchases and a 2.7% return on eligible enterprise purchases.
Nonetheless, you may be higher off utilizing the Chase Sapphire Reserve® or Ink Enterprise Most well-liked® Credit score Card for basic journey past Southwest Airways purchases. Each playing cards earn 3 Chase Final Rewards factors per greenback on journey purchases (as much as the primary $150,000 in mixed purchases for the Ink Enterprise Most well-liked), which you’ll switch to Southwest Speedy Rewards.
Associated: 10 straightforward methods to earn extra Speedy Rewards factors
Redeeming factors on the Southwest Efficiency Enterprise Card
Redeeming factors for Southwest award flights is straightforward. Simply log in to your account, put in your search parameters on Southwest’s web site, select your required out there flight and comply with the on-screen steps to take a look at. You’ll have to pay further taxes and charges on worldwide routes, however Southwest is clear about these all through the search course of.
Southwest has a journey portal for worldwide flights on different carriers, however you are usually not going to get as nice a return while you redeem factors that approach. Moreover, you possibly can redeem factors on lodges, automobile leases or merchandise. Nevertheless, we suggest skipping these choices and utilizing them for Southwest award flights to get essentially the most worth out of your factors.
TPG senior author Tarah Chieffi used Southwest factors to pay for a portion of the price of her journey to Orlando by redeeming 37,000 factors to complement her out-of-pocket price of two round-trip tickets. Whereas it is not at all times the very best worth, paying with a mixture of money and factors might be an effective way to successfully use a smaller variety of Southwest factors.
Associated: Easy methods to redeem Southwest Speedy Rewards factors
Which playing cards compete with the Southwest Efficiency Enterprise Card?
Even should you’re a Southwest-loyal enterprise proprietor, the Southwest Efficiency Enterprise card will not be your only option.
For added particulars, see our full listing of finest enterprise bank cards and finest airline bank cards.
Learn extra: Easy methods to get a enterprise bank card
Backside line
If you happen to’re a enterprise proprietor who flies Southwest regularly, the Southwest Efficiency Enterprise card is a good choice. You will get nice worth from its Southwest-specific perks and the excessive welcome bonus.
Nevertheless, you may wish to select a unique product should you solely sometimes fly Southwest or spend most of your small business funds exterior the cardboard’s bonus classes.
Apply right here: Southwest Efficiency Enterprise Credit score Card
Associated: 9 causes to get a enterprise bank card
