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CardCurator — Rewards Intelligence
Card Comparison

cashRewards Secured vs Southwest Plus

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
Southwest Plus card art
Southwest Rapid Rewards
Southwest Plus
Chase
More Info
Annual Fee
No annual fee
$99/yr
Foreign Fees
None
None
Signup Bonus
None
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • All Purchases 1x
  • Southwest Purchases 2x
  • Gas Stations and Grocery Stores 2x
  • All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
Cash back only
No transfer partners
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Common Questions: cashRewards Secured vs Southwest Plus

Is the cashRewards Secured or Southwest Plus 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. Southwest Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus 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 Southwest Plus?

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 Southwest Plus is from Chase, so they're governed by separate bank policies.