Skip to main content
CardCurator — Rewards Intelligence
Quick Answer

The cashRewards edges out the cashRewards Secured for most cardholders — it wins on 2 of 4 comparison categories and offers 25,000 pts signup bonus earns more (up to 1.5x vs 1x). The cashRewards Secured is the better choice if you prioritize a different rewards ecosystem.

Card Comparison

cashRewards vs cashRewards Secured

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

cashRewards card art
Navy Federal Credit Union
cashRewards
Navy Federal Credit Union
More Info
cashRewards Secured card art
Navy Federal Credit Union
cashRewards Secured
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $2,500 in 3 months
None
Top Earn Rates
  • All Purchases 1.5x
  • All Purchases 1x
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
None
None
Open full comparison tool Compare more cards

Common Questions: cashRewards vs cashRewards Secured

Is the cashRewards or cashRewards Secured 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 currently offers 25,000 pts signup bonus (spend $2,500 in 3 months). cashRewards Secured offers no current bonus. cashRewards 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 and the cashRewards Secured?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Navy Federal Credit Union, so check their specific application rules.