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2 cards side by side

Rate Preferred Mastercard vs Secured Rewards Preferred Mastercard

At a glance
  • Foreign transaction fee: not confirmed for Secured Rewards Preferred Mastercard, so we don't say which is lower.
  • Same annual fee on both: $0.
  1. Rate Preferred MastercardCredit Human4 of 8 facts on file · annual fee checked Oct 2026
  2. Secured Rewards Preferred MastercardCredit Human3 of 8 facts on file · annual fee checked Sep 2026
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Secured Rewards Preferred Mastercard, so no card is marked lower.
Rate Preferred Mastercard
1.1%
Secured Rewards Preferred Mastercard
Not confirmed
Annual feeSame on allPer year. Lower is marked only when every fee has been verified against the issuer.
Rate Preferred Mastercard
$0No annual fee
Secured Rewards Preferred Mastercard
$0No annual fee
Listed underThe sections of this site the card appears in.
Rate Preferred Mastercard
Low Interest
Secured Rewards Preferred Mastercard
Secured
NetworkSame on allWhere the card is accepted.
Rate Preferred Mastercard
Mastercard
Secured Rewards Preferred Mastercard
Mastercard
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Not confirmed for any of these cards: Purchase interest (APR), Top earn rates, Welcome offer, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Rate Preferred Mastercard reviewSecured Rewards Preferred Mastercard review
Questions

Frequently asked

Can I hold Rate Preferred Mastercard and Secured Rewards Preferred Mastercard at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.