Upgrade Select Visa®
Cash back
Upgrade Select Visa®
Upgrade - Visa - Credit card
4.2
4.2 out of 5
8.4/10
Apply now
Head-to-head
Upgrade Select Visa® vs Varo Believe Secured Credit Card
Compare Upgrade Select Visa® and Varo Believe Secured Credit Card side by side: fees, rewards, APR, and perks.
Last verified
Varo Believe Secured Credit Card
Cash back
Varo Believe Secured Credit Card
Varo Bank - Visa - Credit card
4.8
4.8 out of 5
9.6/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Upgrade Select Visa® | Varo Believe Secured Credit Card |
|---|---|---|
| Card fee | $39 USD/yr | No fee |
| Purchase APR (from) | 21.96% | 0% |
| 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. | Up to 8% cash back at select partner merchants via Varo Perks. Cashback is automatically deposited to your Varo Bank Account once you reach $5. Monthly cap of $200 in cashback. |
| 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. | - |
| 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 Varo Believe Secured Credit 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.
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