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.

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.

Here are the main pros and cons of this product:

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).

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:

*Disclaimer: 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.