The Choice Privileges Mastercard edges out the cashRewards Secured for most cardholders — it wins on 2 of 4 comparison categories and offers 60,000 pts signup bonus earns more (up to 5x vs 1x). The cashRewards Secured is the better choice if you prioritize a different rewards ecosystem.
cashRewards Secured vs Choice Privileges Mastercard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- All Purchases 1x
- Choice Hotels® properties19 plus on Choice Privileges point purchases 5x
- gas stations, grocery stores, home improvement stores and phone plan services 3x
- All Other Purchases 1x
Common Questions: cashRewards Secured vs Choice Privileges Mastercard
Is the cashRewards Secured or Choice Privileges Mastercard better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
cashRewards Secured currently offers no current bonus. Choice Privileges Mastercard offers 60,000 pts signup bonus (spend $1,000 in 3 months). Choice Privileges Mastercard has the larger bonus.
Which card is better for international travel?
cashRewards Secured charges no foreign transaction fees — the better pick for international use. Choice Privileges Mastercard charges 3% on foreign purchases.
Can I hold both the cashRewards Secured and the Choice Privileges Mastercard?
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 Choice Privileges Mastercard is from Wells Fargo, so they're governed by separate bank policies.