Upgrade Secured OneCard™ vs Wells Fargo Choice Privileges® Select Mastercard®: fees, rewards and APR compared - DebitCue Skip to content
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Upgrade Secured OneCard™ vs Wells Fargo Choice Privileges® Select Mastercard®

Compare Upgrade Secured OneCard™ and Wells Fargo Choice Privileges® Select Mastercard® 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 Wells Fargo Choice Privileges® Select Mastercard® compared by attribute
Feature Upgrade Secured OneCard™ Wells Fargo Choice Privileges® Select Mastercard®
Card fee No fee $95 USD/yr
Purchase APR (from) 19.99% 19.74%
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. 10X Choice Privileges points at participating Choice Hotels; 5X at gas stations, grocery stores, home improvement stores, and phone plans; 1X on all other purchases. Plus 30,000 anniversary bonus points annually.
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. -
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 Wells Fargo Choice Privileges® Select Mastercard® 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 Wells Fargo Choice Privileges® Select Mastercard®

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