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

Compare Upgrade Secured OneCard™ and Upgrade Triple Cash Rewards 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 Triple Cash Rewards Visa® compared by attribute
Feature Upgrade Secured OneCard™ Upgrade Triple Cash Rewards Visa®
Card fee No fee No fee
Purchase APR (from) 19.99% 14.99%
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. 3% cash back on Home, Auto, and Health purchases; 1% cash back on all other purchases. Both tiers are unlimited with no annual cap.
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.
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 Triple Cash Rewards 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 Triple Cash Rewards Visa®

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