Reviews
Upgrade Cash Rewards Visa® full review: should you get it?
Wondering if the Upgrade Cash Rewards Visa® is right for you? Read our in-depth review to see what this card has to offer. With a high cash back value and interesting perks, the Upgrade Cash Rewards Card could be the perfect addition to your wallet!
Advertisement
Upgrade Cash Rewards Visa®: credit and loan service in the same product
Personal loan and credit card in the same product. All this with a very interesting cash back value. Indeed, these are some of the facilities offered by the Upgrade Cash Rewards Visa®. Understand how this credit card can “upgrade” your financial life.
For a general summary of the benefits of this credit card, take a look at the table below.
Upgrade Cash Rewards Visa®: check out how to apply!
The Upgrade Cash Rewards Visa® is a cash-back credit card that offers 1.5% back on all purchases and up to $25,000 to borrow: learn how to apply!
Credit Score | Fair to Good (580 – 740) |
Annual Fee | $0 |
Regular APR | 14.99% to 29.99% variable APR |
Welcome bonus | $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* |
Rewards | 1.5% unlimited cash back on payments |
Upgrade Cash Rewards Visa®: learn more about this financial product
It is a hybrid type card. With it, you can make purchases and pay the total amount in fixed installments from 12 to 60 times. In addition, you will be able to apply for loans and receive the amount directly into your account.
According to your credit score, you can have access to an APR between 14.99% and 29.99%. Similarly, your score will also define what amount you can borrow. In fact, this amount can range from $500 to $25,000.
Another big attraction of the Upgrade Cash Rewards is, without a doubt, the cash back program. In it, you receive 1.5% for purchases paid on time. The amount is returned to you as a credit that will be deducted from the next invoice.
When confirming your card request, you can check, in advance, the percentage of the APR. This feature will give you the option to know in advance how beneficial the Upgrade Cash Rewards Visa® will be to you.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Upgrade Cash Rewards Visa® features
Here are the main pros and cons of this product:
What are the benefits?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- 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
And what are the drawbacks?
- No bonus offer
- Not available in all areas of the USA (not available in DC, IA, WV, WI)
What credit score do you need to get the Upgrade Cash Rewards Visa®?
The Upgrade Cash Rewards does not set many barriers for anyone interested in this product. In fact, it is possible to obtain it with a fair or good score (greater than 580).
However, the lower your score, the lower the benefits (APR and limit amounts).
How does the Upgrade Cash Rewards Visa® application process work?
You can apply for your Upgrade Cash Rewards Visa® online without leaving your home. In addition, you don’t have to wait for the physical card to arrive at your house to start using it.
Click here to learn about the process of applying for your new credit card with a personal loan:
Upgrade Cash Rewards Visa®: check out how to apply!
The Upgrade Cash Rewards Visa® is a cash-back credit card that offers 1.5% back on all purchases and up to $25,000 to borrow: learn how to apply!
Disclaimer: *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.
Trending Topics
Get your deposit back from a secured credit card: find out how
Did you know that it is possible to get your secured credit card deposit back? Read on to learn how to get your money back!
Keep ReadingChase Freedom® Student card: check out how to apply!
Apply for the Chase Freedom® Student card and get a card designed for students: no annual fee and a cashback with rewards on all purchases.
Keep ReadingWhat is financial literacy (and why everyone should know about it)
Understanding what is financial literacy can transform your financial life. So, find out here why this subject is so important.
Keep ReadingYou may also like
How the Russia-Ukraine war can affect the Stock Market
The Russia-Ukraine conflict already affecting the international stock market. Click and learn how to manage your money in this scenario.
Keep ReadingHonest Loans: find out how to apply!
Apply to Honest Loans and get access to many lenders willing to offer up to $50,000 in loans within one business day. Read on to learn more!
Keep ReadingApply for the Zippyloan Personal Loans: Borrow Up to $15,000!
Learn to apply for Zippyloan Personal Loans easily with our guide and borrow up to $15,000. Quick solutions for diverse financial needs!
Keep Reading