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BECU Secured Low Rate Credit Card vs Southwest Rapid Rewards Priority
Both are well-respected travel cards. The BECU Secured Low Rate Credit Card comes from BECU at $0/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Southwest Rapid Rewards Priority is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the BECU Secured Low Rate Credit Card's. Get the Southwest Rapid Rewards Priority first; revisit the BECU Secured Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Secured Low Rate Credit Card | Southwest Rapid Rewards Priority |
|---|---|---|
| Annual fee | $0 | $229 |
| Sign-up bonus | No welcome bonus | 60,000 points |
| Bonus value (est.) | $0 | $840 |
| Min spend to unlock bonus | $0 in 0 mo | $2,000 in 3 mo |
| Issuer | BECU | Chase |
| Card category | low-interest | airline |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points
Editorial take: Southwest Rapid Rewards Priority
If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Low Rate Credit Card or Southwest Rapid Rewards Priority?
- The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $840, versus No welcome bonus (~$0) on the BECU Secured Low Rate Credit Card.
- Is the BECU Secured Low Rate Credit Card's $0 annual fee worth it compared to the Southwest Rapid Rewards Priority?
- The BECU Secured Low Rate Credit Card has no annual fee, so the question is whether the Southwest Rapid Rewards Priority's $229 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Priority's benefits to clear $229 in value annually, it's worth it; otherwise stick with the BECU Secured Low Rate Credit Card.
- Can I have both the BECU Secured Low Rate Credit Card and Southwest Rapid Rewards Priority?
- 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 Low Rate Credit Card or the Southwest Rapid Rewards Priority first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Low Rate Credit Card: $0 spend in 0 months. Southwest Rapid Rewards Priority: $2,000 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.