Petal® 1 Rise Visa® Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred): fees, rewards and APR compared - DebitCue Skip to content
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Head-to-head

Petal® 1 Rise Visa® Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred)

Compare Petal® 1 Rise Visa® 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.

Petal® 1 Rise Visa® Credit Card versus Upgrade Visa® Debit Card (Rewards Checking Preferred) compared by attribute
Feature Petal® 1 Rise Visa® Credit Card Upgrade Visa® Debit Card (Rewards Checking Preferred)
Card fee $59 USD/yr No fee
Purchase APR (from) 28.24% -
Interest-free period 21 days -
Foreign transaction fee 0% 3%
Rewards Earns 2%–10% cash back at select national merchants and local businesses through the Petal Offers program (card-linked deals in-app). No base cash back rate on general purchases. Over 500 merchant partners including national and regional brands. 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 - -
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 Petal® 1 Rise Visa® 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 Petal® 1 Rise Visa® Credit Card Full review Upgrade Visa® Debit Card (Rewards Checking Preferred)

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