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

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

Upgrade Select Visa® vs U.S. Bank FlexPerks® Gold American Express® Card

Compare Upgrade Select Visa® and U.S. Bank FlexPerks® Gold American Express® Card side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Upgrade Select Visa® versus U.S. Bank FlexPerks® Gold American Express® Card compared by attribute
Feature Upgrade Select Visa® U.S. Bank FlexPerks® Gold American Express® Card
Card fee $39 USD/yr $85 USD/yr
Purchase APR (from) 21.96% -
Interest-free period - -
Foreign transaction fee 3% 0%
Rewards No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate. 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 Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line. 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 Select Visa® 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 Select Visa® Full review U.S. Bank FlexPerks® Gold American Express® Card

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards