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Discover it Secured Credit Card vs Southwest Rapid Rewards Plus
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | Southwest Rapid Rewards PlusChase |
|---|---|---|
| Rating | 4.1/5 | 4.2/5 |
| Annual Fee | $0 | $69 |
| APR | 26.49% | 19.49% - 27.99% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | 40,000 points plus Companion Pass after spending $5,000 in 3 months |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | 2X on Southwest purchases, Rapid Rewards hotel/car partners, and local transit & commuting, 1X on everything else |
| Credit Score | poor | good |
| Pros | Earn cash back rewards even while building credit — rare for a secured card Cashback Match doubles all rewards in year one No annual fee and automatic review for upgrade to unsecured card | Companion Pass with signup bonus — a friend flies free on every trip Low $69 annual fee for an airline card 25% back on in-flight purchases and 2 free checked bags (Southwest standard) |
| Cons | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | Companion Pass from signup is limited-time offer Southwest flies domestically only (no international routes) 2X earn rate limited to Southwest and partner purchases |
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Verdict
Our Pick: Southwest Rapid Rewards Plus
With a 4.2/5 rating, the Southwest Rapid Rewards Plus edges out the Discover it Secured Credit Card (4.1/5). At $69/yr, the value proposition is strong. The Southwest Plus is the entry point to the Southwest ecosystem. The Companion Pass promotion alone can save hundreds — a friend flies free on every booking for the rest of the qualifying year plus the next.