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CardCurator — Rewards Intelligence
Quick Answer

The Southwest Priority edges out the cashRewards Secured for most cardholders — it wins on 3 of 4 comparison categories and offers 85,000 pts signup bonus earns more (up to 4x vs 1x). The cashRewards Secured is the better choice if you want no or lower annual fee.

Card Comparison

cashRewards Secured vs Southwest Priority

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 Priority card art
Southwest Rapid Rewards
Southwest Priority
Chase
More Info
Annual Fee
No annual fee
$229/yr
Foreign Fees
None
None
Signup Bonus
None
85,000 points
Spend $3,000 in 3 months
was 50k pts
Top Earn Rates
  • All Purchases 1x
  • Southwest Airlines 4x
  • Restaurants 2x
  • Gas Stations 2x
Reward Type
cashback
miles
Pts Value
~1.00¢/pt points · industry est.
~1.40¢/pt points · industry est.
Key Credits
None
  • Travel Credit $75
Spend Milestones
No milestones
  • 2,500 Tier Qualifying Points toward A-List status
    After $5,000 spend
Transfer Partners
Cash back only
No transfer partners
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Common Questions: cashRewards Secured vs Southwest Priority

Is the cashRewards Secured or Southwest Priority better for dining?

cashRewards Secured has no dining bonus; Southwest Priority earns 2x on dining.

Which has the higher signup bonus in 2026?

cashRewards Secured currently offers no current bonus. Southwest Priority offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Priority 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 Priority?

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