Petal® 2 "Cash Back, No Fees" Visa® Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred): fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Petal® 2 "Cash Back, No Fees" Visa® Credit Card vs Upgrade Visa® Debit Card (Rewards Checking Preferred)

Compare Petal® 2 "Cash Back, No Fees" Visa® Credit Card and Upgrade Visa® Debit Card (Rewards Checking Preferred) side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

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

Petal® 2 "Cash Back, No Fees" Visa® Credit Card versus Upgrade Visa® Debit Card (Rewards Checking Preferred) compared by attribute
Feature Petal® 2 "Cash Back, No Fees" Visa® Credit Card Upgrade Visa® Debit Card (Rewards Checking Preferred)
Card fee No fee No fee
Purchase APR (from) 28.24% -
Interest-free period 21 days -
Foreign transaction fee 0% 3%
Rewards 1% cash back on all purchases from card activation; escalates to 1.25% after 6 on-time monthly payments and 1.5% after 12 on-time monthly payments. Bonus 2%–10% cash back at select national merchants via Petal Offers (card-linked deals visible in-app). 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® 2 "Cash Back, No Fees" 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® 2 "Cash Back, No Fees" Visa® Credit Card Full review Upgrade Visa® Debit Card (Rewards Checking Preferred)

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards