Upgrade Life Rewards Visa®
Cash back
Upgrade Life Rewards Visa®
Upgrade - Visa - Credit card
4.4
4.4 out of 5
8.8/10
Apply now
Head-to-head
Upgrade Life Rewards Visa® vs Upgrade Select Visa®
Compare Upgrade Life Rewards Visa® and Upgrade Select Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Select Visa®
Cash back
Upgrade Select Visa®
Upgrade - Visa - Credit card
4.2
4.2 out of 5
8.4/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Upgrade Life Rewards Visa® | Upgrade Select Visa® |
|---|---|---|
| Card fee | No fee | $39 USD/yr |
| Purchase APR (from) | 14.99% | 21.96% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| Rewards | 3% cash back on Gas, Groceries, Streaming, and Utilities (excluding Target and Walmart); 1% cash back on all other purchases. Both tiers have no cap. | No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate. |
| Installments | Each purchase converts to a closed-end installment loan at a fixed rate and term. | Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line. |
| 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 Life Rewards Visa® if its checked rows above line up with how you spend most.
- Choose the Upgrade Select Visa® 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.