The Chase Sapphire Preferred edges out the cashRewards Secured for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 5x vs 1x). The cashRewards Secured is the better choice if you want no or lower annual fee.
cashRewards Secured vs Chase Sapphire Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1x
- Chase Travel 5x
- Dining 3x
- Streaming 3x
- hotel stays purchased through Chase Travel. $50
- DoorDash Credit $10
- DoorDash Dashpass (~$100/yr)
- Virgin Atlantic Flying Club
- Aer Lingus AerClub
- Air Canada Aeroplan
- British Airways Executive Club
- Flying Blue
- +9 more
Common Questions: cashRewards Secured vs Chase Sapphire Preferred
Is the cashRewards Secured or Chase Sapphire Preferred better for dining?
cashRewards Secured has no dining bonus; Chase Sapphire Preferred earns 3x on dining.
Which has the higher signup bonus in 2026?
cashRewards Secured currently offers no current bonus. Chase Sapphire Preferred offers 75,000 pts signup bonus (spend $5,000 in 3 months). Chase Sapphire Preferred has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the cashRewards Secured and the Chase Sapphire Preferred?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. cashRewards Secured is from Navy Federal Credit Union and Chase Sapphire Preferred is from Chase, so they're governed by separate bank policies.