Upgrade Cash Rewards Visa®
Cash back
Upgrade Cash Rewards Visa®
Upgrade - Visa - Credit card
4.6
4.6 out of 5
9.2/10
Apply now
Head-to-head
Upgrade Cash Rewards Visa® vs U.S. Bank Split™ World Mastercard®
Compare Upgrade Cash Rewards Visa® and U.S. Bank Split™ World Mastercard® side by side: fees, rewards, APR, and perks.
Last verified
U.S. Bank Split™ World Mastercard®
No rewards
U.S. Bank Split™ World Mastercard®
U.S. Bank - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Upgrade Cash Rewards Visa® | U.S. Bank Split™ World Mastercard® |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 14.99% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| Rewards | Unlimited 1.5% cash back on all purchases, earned when you pay back your balance. No category restrictions. | No rewards program. All purchases are automatically split into installment plans — no interest charges on any plan. |
| Installments | Each purchase is converted into a fixed-rate, fixed-term installment loan (closed-end loan structure); you choose repayment term. AutoPay available. | All purchases automatically split into 3 equal monthly payments with no interest and no plan fee. Purchases of $100+ can be extended to 6 or 12 months for a fixed monthly plan fee of 1.5% of the original plan amount. Small purchases under $100 combined into a 3-month plan that cannot be extended. |
| 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 Upgrade Cash Rewards Visa® if its checked rows above line up with how you spend most.
- Choose the U.S. Bank Split™ World Mastercard® 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.
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