Upgrade OneCard™
Cash back
Upgrade OneCard™
Upgrade - Visa - Credit card
4.5
4.5 out of 5
9.0/10
Apply now
Head-to-head
Upgrade OneCard™ vs Wells Fargo Choice Privileges® Mastercard®
Compare Upgrade OneCard™ and Wells Fargo Choice Privileges® Mastercard® side by side: fees, rewards, APR, and perks.
Last verified
Wells Fargo Choice Privileges® Mastercard®
Points
Wells Fargo Choice Privileges® Mastercard®
Wells Fargo - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Upgrade OneCard™ | Wells Fargo Choice Privileges® Mastercard® |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 14.99% | 19.74% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 0% |
| 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%. | 5X Choice Privileges points at participating Choice Hotels properties; 3X at gas stations, grocery stores, home improvement stores, and phone plans; 1X on all other purchases. |
| 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. | - |
| 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 Wells Fargo Choice Privileges® 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.