Is the Southwest Performance Business worth the an...

Probably the most premium of Southwest’s cobranded choices, the Southwest® Rapid Rewards® Performance Business Credit Card (see rates and fees) carries an annual price of $299.

Whereas that is considerably lower than the charges you will see on most premium options from different airways, it’s a notable enhance from the Southwest® Rapid Rewards® Premier Business Credit Card (see rates and fees) and the three Southwest personal cards.

Plus, the Southwest Efficiency Enterprise (together with all of the Southwest playing cards) was refreshed in 2025 as a part of the service’s sweeping enterprise mannequin modifications. These modifications embody the tip of open seating, the introduction of checked bag fees and the restructuring of the Rapid Rewards loyalty program.

When you’re a enterprise proprietor who prefers to fly Southwest Airways and ponder whether it is best to add the Southwest Efficiency Enterprise to your pockets, this is what you’ll want to find out about its worth.

The Southwest Performance Business card is at the moment providing a welcome bonus of 120,000 bonus factors after spending $10,000 on purchases within the first three months from account opening.

TPG’s September 2025 valuations place Southwest miles at 1.35 cents every, making this bonus price $1,620, which is the best welcome bonus we have ever seen on the cardboard.

However earlier than making use of, you should definitely verify your eligibility. As a Chase card, the Southwest Efficiency Enterprise is topic to Chase’s 5/24 rule and Southwest bonus eligibility restrictions.

Associated: Southwest Rapid Rewards: Guide to earning and redeeming points, elite status and more

The Southwest Performance Business offers excessive incomes charges because the premium enterprise card for Southwest loyalists.

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Here is what present cardholders can count on:

• 4 factors per greenback spent on Southwest Airways purchases
• 4 factors per greenback spent on Southwest Cruises*
• 3 factors per greenback spent on Fast Rewards lodge and automotive rental companions*
• 2 factors per greenback spent at fuel stations and eating places
• 2 factors per greenback spent on lodge lodging booked instantly with the lodge
• 2 factors per greenback spent on native transit and commuting, together with ride-hailing companies
• 2 factors per greenback spent on social media and search engine promoting, web, cable and telephone companies*
• 1 level per greenback spent on all different eligible purchases

*Ends Dec. 31.

Present cardholders can have entry to each new and expiring bonus classes.

As is predicted with essentially the most premium model of a cobranded card, the Southwest Efficiency Enterprise earns extra on Southwest purchases than you’d be capable to earn with some other cobranded Southwest card.

Nevertheless, on the finish of this 12 months, the cardboard will lose its business-specific bonus classes. As an alternative, it is going to go away extra classes oriented towards incomes extra on on a regular basis purchases, resembling fuel stations and eating places.

This could possibly be a detrimental change for enterprise house owners who regularly spend on bills resembling promoting and web companies.

Associated: How to quickly earn the Southwest Companion Pass

With the Southwest Performance Business card, you will get these Southwest-specific perks:

• First checked bag free: A typical first checked bag prices $35 since Southwest began charging for baggage on Could 28.
• Inflight reductions: Cardholders obtain 25% again on inflight meals and beverage or Wi-Fi purchases.
• Most popular seat choice at reserving: Cardholders 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), when obtainable.
• Precedence boarding: Cardholders and as much as eight passengers touring on the identical reservation obtain Group 5 precedence boarding (for flights working in 2026 and past). A-Record standing members can board with an earlier group.
• Limitless extra-legroom upgrades: Cardholders and as much as eight passengers touring on the identical reservation can choose extra-legroom seats when obtainable inside 48 hours previous to departure (for flights working in 2026 and past).
• As much as 2,500 tier qualifying factors towards A-List status for each $5,000 spent in purchases yearly
• 9,000 bonus factors yearly in your cardmember anniversary, price $122 per TPG’s September 2025 valuations
• 10,000 Companion Cross qualifying factors enhance yearly: Cardholders will solely must earn 45,000 extra companion qualifying factors to earn the coveted Companion Cross with this enhance.

The next perks will expire on Dec. 31, as these advantages are extra tailor-made towards Southwest’s earlier enterprise mannequin:

• 4 Upgraded Boardings when obtainable
• $500 price credit score for factors transfers per 12 months
• As much as 365 inflight Wi-Fi credit per 12 months

Plus, cardholders obtain an announcement credit score of as much as $120 for his or her Global Entry, TSA PreCheck or Nexus application fee and pay no overseas transaction charges.

Enterprise house owners pay no price for extra worker playing cards and earn Fast Rewards factors on worker spending. Spending limits will be set on worker playing cards by calling cardmember companies.

The Southwest Efficiency Enterprise added a number of perks to assist present worth for cardholders amid the service’s a number of modifications to the inflight expertise (resembling charging for seat assignments and checked baggage).

When you fly Southwest regularly, these advantages might stack up shortly and offset the $299 annual price.

Associated: How to still get a free checked bag on Southwest flights

If you would like Southwest-specific perks for a decrease annual price, you would possibly desire the Southwest Premier Business card.

Its decrease $149 annual price is well justified by its anniversary factors, free checked bag perk, most popular seat choice at reserving and extra. To study extra, learn our full review of the Southwest Priority Business card.

When you spend extra of your funds on enterprise and common journey bills, you would possibly desire the incomes construction of the Ink Business Preferred® Credit Card.

It earns 3 points per dollar on the primary $150,000 spent yearly on journey, transport, web, cable, telephone companies and promoting with social media and search engines like google. It carries a decrease $95 annual price and earns Chase Ultimate Rewards points, which you’ll switch to Southwest or any of Chase’s other travel partners. To study extra, learn our full review of the Ink Business Preferred.

The knowledge for the Ink Enterprise Most popular has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Southwest Performance vs. Premier: Which Rapid Rewards business credit card is right for you?

For extra info, learn our full review of the Southwest Performance Business card.

Apply right here: Southwest Rapid Rewards Performance Business Card