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3 cards side by side

Rewards Card vs Secured Card vs Classic Card

At a glance
  • Purchase interest (APR): Rewards Card is on file but not verified against the issuer, so no card is marked lower.
  • Annual fee: not confirmed for Rewards Card and Classic Card, so we don't say which is lower.
  • Same foreign transaction fee on all 3: 1.1%.
  1. Rewards CardSunwest Federal Credit Union4 of 8 facts on file · annual fee not yet checked
  2. Secured CardSunwest Federal Credit Union5 of 8 facts on file · annual fee checked Oct 2026
  3. Classic CardSunwest Federal Credit Union3 of 8 facts on file · annual fee not yet checked
Purchase interest (APR)Charged on balances you carry. Your rate may depend on approval. Lower is marked only when a published issuer or regulator document confirms every card's rate.Rewards Card is on file but not verified against the issuer, so no card is marked lower.
Rewards Card
9.99%Not yet checked with Sunwest Federal Credit Union
Secured Card
7.9%
Classic Card
14.9%
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.Not confirmed for Rewards Card and Classic Card, so no card is marked lower.
Rewards Card
Not confirmed
Secured Card
$0No annual fee
Classic Card
Not confirmed
Top earn ratesPer unit of currency spent, as the card states it. Not ranked: points in different programs aren't worth the same, and most rates don't record their unit.
Rewards Card
1x on everything else
Secured Card
Not confirmed
Classic Card
Not confirmed
Foreign transaction feeSame on allAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.
Rewards Card
1.1%
Secured Card
1.1%
Classic Card
1.1%
NetworkWhere the card is accepted.
Rewards Card
Not confirmed
Secured Card
Mastercard
Classic Card
Mastercard
Listed underThe sections of this site the card appears in.
Rewards Card
Low Interest
Secured Card
Low Interest, No Credit History, Secured
Classic Card
Not confirmed
Apply
DetailsNo application link on file
DetailsNo application link on file
DetailsNo application link on file

Not confirmed for any of these cards: 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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Your cards · 3 of 4
  • Rewards Card
  • Secured Card
  • Classic Card
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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.

Rewards Card reviewSecured Card reviewClassic Card review
Questions

Frequently asked

Can I hold Rewards Card, Secured Card and Classic Card 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.