Blue Cash Preferred® Card from American Express vs Upgrade Select Visa®: fees, rewards and APR compared - DebitCue Skip to content
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Blue Cash Preferred® Card from American Express vs Upgrade Select Visa®

Compare Blue Cash Preferred® Card from American Express and Upgrade Select Visa® side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Blue Cash Preferred® Card from American Express versus Upgrade Select Visa® compared by attribute
Feature Blue Cash Preferred® Card from American Express Upgrade Select Visa®
Card fee $95 USD/yr $39 USD/yr
Purchase APR (from) 19.49% 21.96%
Interest-free period - -
Foreign transaction fee 2.7% 3%
Rewards 6% cash back at U.S. supermarkets (up to $6,000/yr, then 1%); 6% on select U.S. streaming subscriptions; 3% at U.S. gas stations and on transit; 1% on other purchases No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate.
Installments Plan It available (fixed monthly fee installments on purchases $100+) Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line.
No card fee - -
No foreign transaction fee - -
Welcome bonus
Airport lounge access - -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Blue Cash Preferred® Card from American Express if its checked rows above line up with how you spend most.
  • Choose the Upgrade Select Visa® if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Blue Cash Preferred® Card from American Express Full review Upgrade Select Visa®

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