Upgrade Secured OneCard™ vs U.S. Bank FlexPerks® Gold American Express® Card: fees, rewards and APR compared - DebitCue Skip to content
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Upgrade Secured OneCard™ vs U.S. Bank FlexPerks® Gold American Express® Card

Compare Upgrade Secured OneCard™ and U.S. Bank FlexPerks® Gold American Express® Card 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 U.S. Bank FlexPerks® Gold American Express® Card compared by attribute
Feature Upgrade Secured OneCard™ U.S. Bank FlexPerks® Gold American Express® Card
Card fee No fee $85 USD/yr
Purchase APR (from) 19.99% -
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 FlexPoints on prepaid hotels and car rentals booked through FlexPerks Rewards Center; 3X FlexPoints on dining, takeout, and restaurant delivery; 2X FlexPoints at airlines, gas stations, and EV charging stations; 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
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 U.S. Bank FlexPerks® Gold American Express® Card 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 U.S. Bank FlexPerks® Gold American Express® Card

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