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BECU Secured Cash Back Credit Card vs Southwest Rapid Rewards Premier
Both are well-respected travel cards. The BECU Secured Cash Back Credit Card comes from BECU at $0/yr; the Southwest Rapid Rewards Premier from Chase at $149/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Secured Cash Back Credit Card | Southwest Rapid Rewards Premier |
|---|---|---|
| Annual fee | $0 | $149 |
| Sign-up bonus | No welcome bonus | 55,000 bonus points |
| Bonus value (est.) | $0 | - |
| Min spend to unlock bonus | $0 in 0 mo | $1,500 in 3 mo |
| Issuer | BECU | Chase |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Secured Cash Back Credit Card
$0/yr · No welcome bonus
Read the full review
Southwest Rapid Rewards Premier
$149/yr · 55,000 bonus points
Editorial take: Southwest Rapid Rewards Premier
The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Cash Back Credit Card or Southwest Rapid Rewards Premier?
- The BECU Secured Cash Back Credit Card has a public bonus (No welcome bonus, worth roughly $0), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
- Is the BECU Secured Cash Back Credit Card's $0 annual fee worth it compared to the Southwest Rapid Rewards Premier?
- The BECU Secured Cash Back Credit Card has no annual fee, so the question is whether the Southwest Rapid Rewards Premier's $149 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Premier's benefits to clear $149 in value annually, it's worth it; otherwise stick with the BECU Secured Cash Back Credit Card.
- Can I have both the BECU Secured Cash Back Credit Card and Southwest Rapid Rewards Premier?
- Yes, since they're from different issuers (BECU and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Secured Cash Back Credit Card or the Southwest Rapid Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Cash Back Credit Card: $0 spend in 0 months. Southwest Rapid Rewards Premier: $1,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.