Upgrade Secured OneCard™
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Upgrade Secured OneCard™
Upgrade - Visa - Credit card
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Head-to-head
Compare Upgrade Secured OneCard™ and U.S. Bank Altitude® Connect Visa Signature® Card side by side: fees, rewards, APR, and perks.
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Upgrade - Visa - Credit card
U.S. Bank - Visa - Credit card
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| Feature | Upgrade Secured OneCard™ | U.S. Bank Altitude® Connect Visa Signature® Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 19.99% | 17.49% |
| 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 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. | 5X points on prepaid hotels and car rentals booked through U.S. Bank Travel Center; 4X on travel purchases and gas/EV charging (4X gas capped at $1,000/quarter); 2X on dining, streaming, and grocery stores; 1X on all other purchases. |
| 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. | U.S. Bank ExtendPay® Plans available with $0 fee offer in first 60 days |
| No card fee | ||
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay |
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