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® Select Mastercard®
Compare Upgrade OneCard™ and Wells Fargo Choice Privileges® Select Mastercard® side by side: fees, rewards, APR, and perks.
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Wells Fargo Choice Privileges® Select Mastercard®
Points
Wells Fargo Choice Privileges® Select Mastercard®
Wells Fargo - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
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® Select Mastercard® |
|---|---|---|
| Card fee | No fee | $95 USD/yr |
| 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%. | 10X Choice Privileges points at participating Choice Hotels; 5X at gas stations, grocery stores, home improvement stores, and phone plans; 1X on all other purchases. Plus 30,000 anniversary bonus points annually. |
| 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® Select 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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