Upgrade Cash Rewards Visa®
The Upgrade Cash Rewards Visa® combines the flexibility of a credit card with the fixed rates of a personal loan. How it works is you either make purchases or transfer money into your linked bank account, and Upgrade totals up all your transactions and considers them an installment loan. You can qualify for terms of 24, 36, or 60 month terms and you can be approved for an amount between $500 and $25,000. You pay the same fixed amount until the loan is paid off. Once you pay that, you’ll get 1.5% cash back, which will then be applied to your balance. It doesn’t act like a credit card, in that once you pay down your balance, your credit line does not replenish. It’s more like a personal line of credit. Because it’s a Visa Signature card, you do get some nice Visa Signature benefits. We dive into the details and your approval odds in this Upgrade Visa review.
4.5/5.0
$200
$0
None
1.5%
None
Welcome Offer
$200 bonus when you open a Rewards Checking account and make 3 debit card transactions. To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.Features & Benefits
Security | EMV Chip Enabled, Zero Liability |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | |
Travel Perks | Access to Special Events and Concerts, Concierge Services, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | Up to 3% |
Regular APR | 14.99% to 29.99% (V) APR |
What Credit Score Is Required to Get the Upgrade Cash Rewards Visa®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 03/22/2021 | Equifax | ||
Approved | 03/22/2021 | TransUnion | ||
Approved | 09/07/2020 | TransUnion | ||
Approved | 09/07/2020 | Experian | ||
Approved | 09/07/2020 | Equifax | ||
Approved | 03/22/2021 | Experian | ||
Approved | 07/16/2022 | TransUnion | ||
Approved | 04/01/2021 | Not Provided |
- Welcome offer
- No annual fee
- Foreign transaction fee
- Interest can be high depending on credit
What Are the Best Alternatives?

Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0

Blue Cash Everyday® Card from American Express
Rating
4.4
Rewards Range
1%-3%
Annual Fee
$0

Capital One Quicksilver Cash Rewards Credit Card
Rating
4.5
Rewards Range
1.5%
Annual Fee
$0