Upgrade Cash Rewards Visa® | CompareCards.com

Upgrade Cash Rewards Visa®

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Upgrade Cash Rewards Visa®

 

Rated 3/5.0 stars by our editorial team

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  • Regular Purchase APR 14.99% - 29.99% APR
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Fair
  • Card Brand Visa®
  • Regular Purchase APR 14.99% - 29.99% APR
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed Fair
  • Card Brand Visa®

Highlights

  • $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
  • *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® 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.
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Card Fees

Foreign Transaction Fee

Up to 3%

Balance Transfer Fee

Up to 5%

Penalty APR

N/A

Ongoing Information

Rewards Rate

1.5% unlimited cash back on card purchases every time you make a payment

Annual Fee

$0

Additional Card Details

$0 Fraud Liability

Yes

Auto Rental Insurance

No

Extended Warranty Program

Yes

Roadside Assistance

Yes

Purchase Protection

Yes

Travel Assistance

Yes

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Mar 25, 2024

Upgrade, an online lending company, expanded into the credit card space in late 2019. The launch of the Upgrade Cash Rewards Visa® reveals an innovative new offering for consumers with fair credit or above.  Upgrade created a ‘hybrid’ of a credit card and personal loan into one unique product. Consumers who apply and are approved for this card will access a personal credit line from $500 to $25,000.* Card charges are combined into installment plans payable over 12 to 60 months. The benefit of this structure is that your purchases are combined into a fixed term/payment schedule as opposed to a minimum monthly payment with a high interest rate. Upgrade Cash Rewards Visa® interest rates start lower than traditional credit cards with a range from 14.99% - 29.99% APR.

*See full details on Upgrade rates and credit lines here.

Expert Reviews of the Upgrade Cash Rewards Visa®

  • 5.0

    Regular APR

  • 1.0

    Intro APR

  • 5.0

    Fees

  • 1.0

    Benefits

  • 3.0/5

    Overall Rating

The Bottom Line

The annual fee is $0 for this card. With responsible usage, the Upgrade Cash Rewards Visa® could offer you access to a higher credit limit than a traditional credit card and a less expensive way to pay down the balance.

The Good

You could receive a lower interest rate for your personal credit line versus a traditional credit card. Also, you could benefit from a predictable monthly payment at a lower interest rate than a credit card, which could help you pay down your balance faster with less cost. The Upgrade Cash Rewards Visa® is a Visa®, which is a widely accepted card.

The Not so Good

Editorial Note: This content is not provided by Upgrade. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Upgrade.

Consumer Reviews

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YOUR RATING

 

Rated 3/5.0 stars by our editorial team

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