Upgrade Cash Rewards Visa
Apply now | Details
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud Liability
3.7 / 5.0 (18 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
14.99% - 29.99%*
Annual Fee:
$0*
Issuer:
Cross River Bank
Card Network:
VISA®
Card Category:
Consumer (Premium)
Card Type:
High Credit Limit
Low Interest Rate
No Foreign Transaction Fee
Pre-Qualification
Reward Card
Credit Needed:
Fair*
Grace Period:
N/A*
Min Credit Line:
$500
Max Credit Line:
$25,000
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
No
Transfer Fee (%):
5.00%

Other Fees

Opening Minimum:
$0.00
Application Fee:
$0.00
ATM Fee:
$0.00
Additional Fees
Foreign Transaction Fee: Up to 3%
Return Payment Fee: $0

Comments

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA(r) Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

**Not available in DC, IA, WV, WI.

***Checking your credit line is free and won't impact your score!

****Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. The availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:
- No annual fee
- Rewards program
- Low predictable payments
- Free Credit monitoring
Least attractive:
- Cant be used at ATMs
- Not a real credit card

Rewards & Benefits

Reward Types:
Cash Back Rewards
Universal Rewards
Reward Unit:
Cash
Rewards:
- 1.5% unlimited cash back on card purchases every time you make a payment
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
*See Terms and Conditions for other benefits
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for Upgrade Cash Rewards Visa® is believed to be accurate at the time of evaluation (Oct 25, 2023). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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