Bank of America® Unlimited Cash Rewards Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred): fees, rewards and APR compared - DebitCue Skip to content
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Bank of America® Unlimited Cash Rewards Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred)

Compare Bank of America® Unlimited Cash Rewards Credit Card 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.

Bank of America® Unlimited Cash Rewards Credit Card versus Upgrade Visa® Debit Card (Rewards Checking Preferred) compared by attribute
Feature Bank of America® Unlimited Cash Rewards Credit Card Upgrade Visa® Debit Card (Rewards Checking Preferred)
Card fee No fee No fee
Purchase APR (from) 17.49% -
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards Unlimited 1.5% cash back on all purchases with no category restrictions and no quarterly caps. Preferred Rewards members earn 10–75% more, reaching up to 2.62% on every purchase at the top Preferred Rewards tier. 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 Custom Pay Plan: convert eligible purchases ($100+) into 3–18 month fixed-fee installment plans -
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 Bank of America® Unlimited Cash Rewards Credit Card 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 Bank of America® Unlimited Cash Rewards Credit Card Full review Upgrade Visa® Debit Card (Rewards Checking Preferred)

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