Capital One Platinum Secured vs. Southwest Rapid Rewards® Priority
Side-by-side comparison · Updated 2026 · Independently reviewed
Capital One Platinum Secured
Capital One
4.2
Secured card with flexible deposit. Consider for credit building.
Full review →
Southwest Rapid Rewards® Priority
Chase
4.3
50,000 bonus points. 7,500 anniversary points. $75 travel credit.
Full review →WealthSpott Verdict
Capital One Platinum Secured wins on more measurable categories — particularly annual cost. Southwest Rapid Rewards® Priority may still win for your wallet depending on how you spend.
Feature
Capital One Platinum
Southwest Rapid Rewards®
Annual Fee
$0 Best
$149/yr
Sign-up Bonus
None
50,000 points
Rewards Rate
0%
1x-3x
Rewards Type
None
Points
0% Intro APR
N/A
N/A
Regular APR
29.99% Variable
21.49%-28.49% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
300-669
670-850
Capital One Platinum Secured
Southwest Rapid Rewards® Priority
Pros
- 7,500 anniversary points each year
- $75 annual Southwest travel credit
- 4 upgraded boardings per year
- Path to Companion Pass with enough spending
Cons
- $149 annual fee
- Only valuable for Southwest flyers
- Foreign transaction fee
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