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

Compare Upgrade Secured 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 Secured OneCard™ versus Upgrade Select Visa® compared by attribute
Feature Upgrade Secured OneCard™ Upgrade Select Visa®
Card fee No fee $39 USD/yr
Purchase APR (from) 19.99% 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 with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases. 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: Pay Now settles purchases automatically next day from linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end loans at 19.99% APR. 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 Secured 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 Secured OneCard™ Full review Upgrade Select Visa®

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