The Southwest Premier edges out the cashRewards Secured for most cardholders — it wins on 2 of 4 comparison categories and offers 85,000 pts signup bonus earns more (up to 3x vs 1x). The cashRewards Secured is the better choice if you want no or lower annual fee.
cashRewards Secured vs Southwest Premier
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- All Purchases 1x
- Southwest Purchases 3x
- Grocery Stores and Restaurants 2x
- All Other Purchases 1x
- 1,500 Tier Qualifying Points toward A-List statusAfter $5,000 spend
Common Questions: cashRewards Secured vs Southwest Premier
Is the cashRewards Secured or Southwest Premier better for dining?
cashRewards Secured has no dining bonus; Southwest Premier earns 2x on dining.
Which has the higher signup bonus in 2026?
cashRewards Secured currently offers no current bonus. Southwest Premier offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Premier 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 Premier?
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 Premier is from Chase, so they're governed by separate bank policies.