Citi Double Cash® Card vs Upgrade Secured OneCard™: fees, rewards and APR compared - DebitCue Skip to content
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Citi Double Cash® Card vs Upgrade Secured OneCard™

Compare Citi Double Cash® Card and Upgrade Secured OneCard™ 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.

Citi Double Cash® Card versus Upgrade Secured OneCard™ compared by attribute
Feature Citi Double Cash® Card Upgrade Secured OneCard™
Card fee No fee No fee
Purchase APR (from) 17.49% 19.99%
Interest-free period - -
Foreign transaction fee 3% 3%
Rewards 2% cash back on all purchases — 1% when you buy, 1% when you pay. 5% cash back on hotels, car rentals, and attractions booked via Citi Travel. Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases.
Installments Citi Flex Pay available (buy-now-pay-later on eligible purchases) Dual-mode: Pay Now settles purchases automatically next day from linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end loans at 19.99% APR.
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 Citi Double Cash® Card if its checked rows above line up with how you spend most.
  • Choose the Upgrade Secured OneCard™ 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 Citi Double Cash® Card Full review Upgrade Secured OneCard™

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