Blue Cash Preferred® Card from American Express vs Upgrade Visa® Debit Card (Rewards Checking Preferred): fees, rewards and APR compared - DebitCue Skip to content
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Blue Cash Preferred® Card from American Express vs Upgrade Visa® Debit Card (Rewards Checking Preferred)

Compare Blue Cash Preferred® Card from American Express and Upgrade Visa® Debit Card (Rewards Checking Preferred) 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 Visa® Debit Card (Rewards Checking Preferred) compared by attribute
Feature Blue Cash Preferred® Card from American Express Upgrade Visa® Debit Card (Rewards Checking Preferred)
Card fee $95 USD/yr No fee
Purchase APR (from) 19.49% -
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 Up to 2% cash back on purchases at convenience stores, drug stores, gas stations, restaurants, monthly subscriptions, and utilities. Capped at $500 in 2% rewards per calendar year (then drops). Requires $1,000/month direct deposit to maintain top-tier rewards.
Installments Plan It available (fixed monthly fee installments on purchases $100+) -
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 Visa® Debit Card (Rewards Checking Preferred) 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 Visa® Debit Card (Rewards Checking Preferred)

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