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Upgrade Visa® Card with Cash Rewards

Requires sign in
Rewards Rate
Unlimited 1.5% Cash Back Rewards
Sign Up Bonus
N/A
Typical Credit Score
Good
Upgrade Visa® Card with Cash Rewards
Upgrade Visa® Card with Cash Rewards
Pros & Cons
  • 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
  • No balance transfer
  • No cash advances (ATM withdraws)
Rated Best for:
Upgrade Visa® Card with Cash Rewards Review

Who is the Upgrade Visa® Card with Cash Rewards for?

The Upgrade Visa® Card with Cash Rewards is designed for the consumers who are looking for the convenience of a credit card as well as the low-cost and payment predictability of a loan. Cardholders can make purchases using the card and the amount will be converted into fixed-rate loans where cardholders can pay back monthly in equal installments. Additionally, cardholders can also utilize the card as a personal lending tool where they can request funds within their credit limit to be directly sent to their bank account, which is also paid back over equal, fixed-rate, monthly installments. Ultimately, the benefits of this card boil down to a lower interest rate in return for more consistent payments made to Upgrade.

Another perk of the Upgrade Visa® Card with Cash Rewards is its straightforward cash back rewards program. Cardholders can earn unlimited 1.5% cash back whenever they use their card. Combined with the personal loan feature and predictable payment schedule, the Upgrade Visa® Card with Cash Rewards can be an excellent choice for consumers looking to finance bigger purchases.

Credit Requirements

The Upgrade Visa® Card with Cash Rewards is designed for consumers who have a fair credit score and above. It has a minimum credit requirement of 600, and applicants can quickly check their eligibility for the card online without impact to their credit score. Moreover, Upgrade also reports your account information to the three major credit bureaus (TransUnion, Equifax, and Experian). 

Because this card is essentially a personal loan attached to a prepaid credit card, you are more likely to receive a larger credit line with Upgrade than other cards in your credit range. An advantage of a larger credit line, is you will achieve a lower credit utilization rate, which is a key factor in improving your credit score. Accordingly, you should be able to build your creditworthiness consistently if you pay off this card in a timely manner.

Rewards Program

While the Upgrade Visa® Card with Cash Rewards does not give out any welcome bonus, it offers unlimited 1.5% cash back on all purchases, which makes it a solid rewards program that can be used for everyday purchases.

Benefits and Credits

The biggest feature that differentiates the Upgrade Visa® Card with Cash Rewards from its competitors is its payment predictability. Credit cards typically offer revolving credit with no set payment deadline. With variable interest rates, the final payment amount is less predictable because the interest you pay on your balance can change.

However, the Upgrade Visa® Card with Cash Rewards treats the credit card debt as a fixed-rate personal loan where cardholders can repay in equal monthly installments over a set period of time. This feature offers lots of predictability in loan payments and encourages cardholders to budget their finances well and pay down debt quickly. The caveat to this is you make these lower interest payments every month.

Additionally, if you are someone who is looking to make a big purchase such as a car, TV, wedding gift, etc. the Upgrade Visa® Card with Cash Rewards can be a powerful tool to decrease the financing cost. Cardholders can borrow funds within their credit limit directly from Upgrade’s lending partners and pay it back in equal, fixed-rate, monthly installments just like any other personal loan.

The Upgrade Visa® Card with Cash Rewards offers APR of 6.99% - 29.99% and credit lines ranging from $500 - $20,000, depending on cardholders’ creditworthiness. 

Annual Fees

Another attractive feature of the Upgrade Visa® Card with Cash Rewards is its $0 annual fee. On top of that, it also does not charge any other typical credit card fees such as late fees, set up fees, balance transfer fees, and foreign transaction fees. This makes the Upgrade Visa® Card with Cash Rewards a low-cost option to access credit lines and borrowings.

Cautions

Something to remember is that this card is not a debit card and cannot be used to withdraw money from any ATM.

Conclusion

The Upgrade Visa® Card with Cash Rewards is a great option for consumers who are looking for better control of their finances. This credit card is able to differentiate itself by acting as a personal loan tool with its unique, predictable payment schedule. Think of this like a mortgage for personal purchases. Together with its solid 1.5% cash back rewards program and $0 card fees, the Upgrade Visa® Card with Cash Rewards can be quite an attractive credit card for consumers who have fair credits. You can apply for this card here.

Complete Card Details
Rewards Rate
Unlimited 1.5% Cash Back Rewards
Welcome Bonus
N/A
Typical Credit Score
Good
Intro Annual Fee
Annual Fee
N/A
Additional User Annual Fee
N/A
Foreign Transaction Fee
N/A
Intro Purchase APR
N/A
Regular Purchase APR
8.99% - 29.99%
Cash Advance Fee
N/A
Cash Advance APR
N/A
Late Fee
N/A
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Penalty APR
N/A
Balance Transfer Fee
N/A
Return Payment Fee
N/A
Minimum Deposit
N/A
Credit Card Network
Visa
Credit Card Issuer
Sutton Bank
Upgrade Visa® Card with Cash Rewards FAQ

What is the minimum credit score required to apply for Upgrade Visa® Card with Cash Rewards?

A credit score of 600 is required to be eligible for Upgrade Visa® Card with Cash Rewards.

What is the minimum deposit required for Upgrade Visa® Card with Cash Rewards?

There is no minimum deposit required for this credit card.

What is the Intro Annual Fee for Upgrade Visa® Card with Cash Rewards

The Intro Annual Fee for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.

What is the Annual Fee for Upgrade Visa® Card with Cash Rewards

The Annual Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Intro Purchase APR for Upgrade Visa® Card with Cash Rewards

The Intro Purchase APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Regular Purchase APR for Upgrade Visa® Card with Cash Rewards

The Regular Purchase APR for Upgrade Visa® Card with Cash Rewards is 8.99% - 29.99%.

What is the Intro Balance Transfer APR for Upgrade Visa® Card with Cash Rewards

The Intro Balance Transfer APR for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.

What is the Regular Balance Transfer APR for Upgrade Visa® Card with Cash Rewards

The Regular Balance Transfer APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Cash Advance APR for Upgrade Visa® Card with Cash Rewards

The Cash Advance APR for this credit card is not available at the moment. Please check the terms for more details.

What is the Cash Advance Fee for Upgrade Visa® Card with Cash Rewards

The Cash Advance Fee for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.

What is the Late Fee for Upgrade Visa® Card with Cash Rewards

The Late Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Penalty APR for Upgrade Visa® Card with Cash Rewards

The Penalty APR for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.

What is the Balance Transfer Fee for Upgrade Visa® Card with Cash Rewards

The Balance Transfer Fee for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.

What is the Min. Balance Transfer Fee for Upgrade Visa® Card with Cash Rewards

The Min. Balance Transfer Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Foreign Transaction Fee for Upgrade Visa® Card with Cash Rewards

The Foreign Transaction Fee for this credit card is not available at the moment. Please check the terms for more details.

What is the Return Payment Fee for Upgrade Visa® Card with Cash Rewards

The Return Payment Fee for Upgrade Visa® Card with Cash Rewards is not available at the moment. Please check the terms for more details.
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