- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking 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 card with the low cost and predictability of a loan
- $0 fees: $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- 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:
8.99% - 29.99%*
Annual Fee:
$0*
Issuer:
Card Network:
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:
$50,000
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
No
Transfer Fee (%):
0.00%

Other Fees

Opening Minimum:
$0.00
Application Fee:
$0.00
ATM Fee:
$0.00
Additional Fees
Foreign Transaction Fee: $0
Return Payment Fee: $0

Comments

*Offer is NOT available for Iowa, Wisconsin, Washington, D.C., and West Virginia residents.

**To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

***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.

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 (Jul 14, 2022). 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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