Upgrade OneCard™ vs Upgrade Select Visa®: fees, rewards and APR compared - DebitCue Skip to content
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Head-to-head

Upgrade OneCard™ vs Upgrade Select Visa®

Compare Upgrade OneCard™ and Upgrade Select Visa® 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.

Upgrade OneCard™ versus Upgrade Select Visa® compared by attribute
Feature Upgrade OneCard™ 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 Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases when linked to a Rewards Checking Preferred account via Pay Now. Without the checking account link, earns 1.5% on all purchases. $500 annual cap on the 3% tier, then drops to 2%. 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 Dual-mode card: Pay Now automatically settles selected purchases the next day from a linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end installment loans. 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 OneCard™ 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.
Full review Upgrade OneCard™ Full review Upgrade Select Visa®

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