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CompareCards says issuers are providing such generous deals, they're virtually irresistible for those willing to switch.
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Those who always pay their balances in full and on time will usually come out ahead.
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The offers on the credit card landscape are constantly changing which is great news for consumers.
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In the future, the companies that will thrive are those able to give customers exactly what they want, the way they want it, when they want it.
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CompareCards was one of three sites that met all the criteria.
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CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
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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
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
- *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.
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
Expert Reviews
From the CompareCards.com Editorial Team, updated on Sep 13, 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®
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
N/A
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
OFFER RATING
/5.0
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How CompareCards Gets Paid
CompareCards is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). CompareCards does not include all credit cards available in the marketplace.
Our pick for 1:1 cash back match in your first year
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% Variable APR.
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 17.74% - 27.74% Variable APR.
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Sign-Up Bonus Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 17.74% to 27.74% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
See additional details for Discover it® Cash Back
Our pick for best unlimited cash rewards card
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Rewards Rate Earn unlimited 2% cash rewards on purchases
- Extra Perks No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
See additional details for Wells Fargo Active Cash® Card
Our pick for longest period of 0% intro APR on balance transfers
- Intro Purchase APR 0% intro APR for 12 months on Purchases
- Intro Balance Transfer APR 0% intro APR for 21 months on Balance Transfers
- Regular Purchase & BT APR 17.74% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
- Intro Purchase APR 0% intro APR for 12 months on Purchases
- Intro Balance Transfer APR 0% intro APR for 21 months on Balance Transfers
- Regular Purchase & BT APR 17.74% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.74% - 28.49% based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
See additional details for Citi® Diamond Preferred® Card
