SoFi Debit Card (Checking Account) vs Upgrade Secured OneCard™: fees, rewards and APR compared - DebitCue Skip to content
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SoFi Debit Card (Checking Account) vs Upgrade Secured OneCard™

Compare SoFi Debit Card (Checking Account) 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.

SoFi Debit Card (Checking Account) versus Upgrade Secured OneCard™ compared by attribute
Feature SoFi Debit Card (Checking Account) Upgrade Secured OneCard™
Card fee No fee No fee
Purchase APR (from) - 19.99%
Interest-free period - -
Foreign transaction fee 0% 3%
Rewards No rewards on debit card purchases. Savings balances earn up to 4.50% APY (with direct deposit); checking balances earn 0.50% APY. 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 - 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 SoFi Debit Card (Checking Account) 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 SoFi Debit Card (Checking Account) Full review Upgrade Secured OneCard™

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