Upgrade Secured OneCard™ vs U.S. Bank Shopper Cash Rewards® Visa Signature® Card: fees, rewards and APR compared - DebitCue Skip to content
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Upgrade Secured OneCard™ vs U.S. Bank Shopper Cash Rewards® Visa Signature® Card

Compare Upgrade Secured OneCard™ and U.S. Bank Shopper Cash Rewards® Visa Signature® 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 Shopper Cash Rewards® Visa Signature® Card compared by attribute
Feature Upgrade Secured OneCard™ U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Card fee No fee $95 USD/yr
Purchase APR (from) 19.99% 18.74%
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. 6% cash back on first $1,500 in combined eligible purchases per quarter at two chosen retailers; 5.5% on prepaid hotel and car reservations via Rewards Travel Center; 3% on first $1,500 per quarter in one chosen everyday category; 1.5% 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 for new cardmembers in first 60 days
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 Shopper Cash Rewards® Visa Signature® 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 Shopper Cash Rewards® Visa Signature® Card

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