Southwest Fast Rewards Efficiency Enterprise Credit score Card overview
The Southwest® Fast Rewards® Efficiency Enterprise Credit score Card (see charges and charges) is Southwest Airways’ top-tier enterprise bank card. It has stable incomes charges throughout numerous classes. Southwest’s most frequent enterprise flyers will get pleasure from this card’s helpful perks when flying. Card ranking*: ⭐⭐⭐
*Card ranking relies 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® Fast Rewards® Premier Enterprise Credit score Card (see charges and charges) as essentially the most premium enterprise card providing. It gives a formidable welcome bonus, a greater rewards construction and a pleasant array of day-of-travel perks.
All of the bank cards within the Southwest portfolio have been not too long ago refreshed, and the Efficiency Enterprise is not any exception. With this refresh got here new day of journey advantages and a modified earnings construction.
These days, sadly, most bank card refreshes include an annual price improve. The Southwest Efficiency Enterprise elevated its annual price by roughly 50% from $199 to $299.
The really helpful credit score rating for this product is 670 or above.
Be aware that Southwest is in the course of sweeping modifications, together with a brand new boarding course of, added bag charges and assigned seating. Holding a Southwest bank card is now extra useful than ever.
Let’s dive into the professionals and cons of this up to date enterprise card.
Southwest Efficiency Enterprise Card execs and cons
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Southwest Efficiency Enterprise Card welcome provide
Proper now, the Southwest Efficiency Enterprise card is providing new candidates 80,000 factors after spending $5,000 on purchases within the first three months from account opening.
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TPG’s August 2025 valuations peg Southwest miles at 1.35 cents every, that means this bonus is price $1,080. That is the usual welcome provide we usually see on this card.
Keep in mind to verify 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 may earn a Southwest welcome bonus, together with having not obtained a welcome bonus on this card prior to now 24 months.
Associated: Methods to shortly earn the Southwest Companion Go
Southwest Efficiency Enterprise Card advantages
The Southwest Efficiency Enterprise Card comes with a $299 annual price, however the perks accompanying the cardboard make up for the associated fee in the event you take full benefit of them, even after the primary 12 months of card membership.
- 9,000 anniversary bonus factors: Every year after your account anniversary, you will routinely obtain 9,000 bonus factors. Meaning you are basically getting $122 price of factors annually after the primary 12 months only for being an lively cardholder, based mostly on TPG’s August 2025 valuations. This helps offset greater than 40% of the annual price.
- Free first checked bag: Southwest began charging for baggage on Might 28. Fortunately, Efficiency Enterprise cardholders obtain a free first checked bag for the first cardholder and as much as eight passengers touring on the identical reservation. (A normal first checked bag prices $35, which might save a household of 4 $280 on a round-trip itinerary.)
- 4 Upgraded Boardings (ends Dec. 31): For flights working in 2025, you will have the flexibility to improve your boarding place as much as 4 occasions.
- Inflight Wi-Fi credit (ends Dec. 31): Southwest will reimburse you for as much as 365 $8 inflight Wi-Fi purchases as an announcement credit score. In different phrases, you could possibly buy an all-day inflight Wi-Fi cross day-after-day of the 12 months, and your card will cowl it.
- Precedence boarding: Cardholders and as much as 8 passengers touring on the identical reservation will obtain Group 5 precedence boarding (for flights working in 2026 and past). If in case you have A-list standing, you may board with an earlier group.
- Most popular seat choice at reserving: When accessible, you and as much as eight passengers touring on the identical reservation can choose most popular seating on the time of reserving (for flights working in 2026 and past).
- Limitless extra-legroom upgrades: You and as much as eight passengers touring on the identical reservation can choose extra-legroom seats inside 48 hours previous to departure when accessible (for flights working in 2026 and past). A perk like that is normally solely afforded to airline elite members.
JESSICA PUCKETT/THE POINTS GUY
- $500 price credit score for factors transfers per 12 months (ends Dec. 31): Switch factors to a different Fast Rewards member, and as much as $500 in charges related to the switch will likely be reimbursed every account anniversary 12 months.
- Standing Enhance: You may earn 2,500 tier-qualifying factors per $5,000 you spend on purchases in a calendar 12 months that will help you attain A-Checklist elite standing quicker. There is not any restrict on the variety of TQPs you may earn.
- 10,000 Companion Go qualifying factors enhance yearly: Cardholders obtain 10,000 factors towards a Companion Go annually. With this enhance and the factors earned from the welcome provide, you’ll solely have to earn 45,000 extra companion qualifying factors to earn the coveted Companion Go.
- Inflight low cost: Cardholders obtain 25% again on inflight meals and beverage or Wi-Fi purchases.
- World Entry, TSA PreCheck or Nexus credit score: As soon as each 4 years, you may obtain an announcement credit score (as much as $120) on your World Entry, TSA PreCheck or Nexus software price.
- Free worker playing cards: You pay no price for added worker playing cards and can earn factors on worker spending. You may set spending limits on worker playing cards by calling cardmember companies.
- No overseas transaction charges
Associated: Is the Southwest Efficiency Enterprise Card well worth the annual price?
Incomes factors on the Southwest Efficiency Enterprise Card
Because the extra premium enterprise card, the Southwest Efficiency Enterprise Card has a better incomes fee than different Southwest card choices. You may earn:
- 4 factors per greenback spent on Southwest Airways purchases (5.4% return based mostly on TPG’s August 2025 valuations)
- 4 factors per greenback spent on Southwest Cruises (5.4% return; ends Dec. 31)
- 3 factors per greenback spent on Fast Rewards resort and automobile rental companions (approximate 4.1% return; ends Dec. 31)
- 2 factors per greenback spent at gasoline stations and eating places (2.7% return)
- 2 factors per greenback spent on resort lodging booked immediately with the resort (2.7% return)
- 2 factors per greenback spent on native transit and commuting, together with ride-hailing companies (2.7% return)
- 2 factors per greenback spent on social media and search engine promoting, web, cable and cellphone companies (2.7% return; ends Dec. 31)
- 1 level per greenback spent on all different eligible purchases (approximate 1.4% return)
It is necessary to notice that present cardholders could have entry to each the brand new and expiring bonus classes.
It is good that two new classes geared extra towards on a regular basis spending have been added; nonetheless, seeing two key business-oriented classes eliminated on the finish of the 12 months is a giant draw back for the top-tier enterprise card within the Southwest portfolio.
You may be higher off utilizing the Ink Enterprise Most popular® Credit score Card (see charges and charges) for common journey past Southwest Airways purchases because it earns 3 factors per greenback spent on as much as $150,000 every account anniversary 12 months for mixed journey and choose enterprise purchases.
Associated: 10 simple methods to earn extra Fast Rewards factors
Redeeming factors on the Southwest Efficiency Enterprise Card
The Southwest Efficiency Enterprise Card card earns Fast Rewards factors, so you will get essentially the most worth once you redeem your factors for award journey on Southwest.
Redeeming factors for Southwest award flights is straightforward. Log in to your account, enter your search parameters on Southwest’s web site, select your required accessible flight and observe the on-screen steps to take a look at.
You’ll have to pay extra 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 once you redeem factors that approach.
Moreover, you may redeem factors on inns, automobile leases or merchandise. Nonetheless, we suggest skipping these choices and utilizing your factors for Southwest award flights to get essentially the most worth from them.
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 all the time one of the best worth, paying with a mix of money and factors could be a good way to successfully use a smaller variety of Southwest factors.
Which playing cards compete with the Southwest Efficiency Enterprise Card?
Even in the event you’re a Southwest-loyal enterprise proprietor, the Southwest Efficiency Enterprise Card card is probably not your only option.
For extra particulars, see our full record of finest enterprise bank cards and finest airline bank cards.
Associated extra: Methods to get a enterprise bank card
Backside line
In the event you’re a enterprise proprietor who flies Southwest continuously, the Southwest Efficiency Enterprise card is a superb possibility. You may get nice worth from its Southwest-specific perks and its welcome bonus.
Nonetheless, you will need to select a distinct product in the event you solely often fly Southwest or spend most of what you are promoting funds outdoors the cardboard’s bonus classes.
Apply right here: Southwest Efficiency Enterprise Credit score Card
