Upgrade Cash Rewards Visa®

1.5% unlimited cash back, no annual fee and fast online application

Updated: Dec 11, 2023

Advertiser Disclosure

The Upgrade Cash Rewards Visa, issued by Sutton Bank, is a great option for anyone who is looking to pay all of their credit on time without much hassle. It's available to anyone with Fair Credit history. One of the main benefits associated with this card is the fact that it lacks any fees. It means that there is no foreign transaction fee, annual opening, fee, or any penalties whatsoever. It offers an unlimited 1.5% cashback on everyday purchases.

The card itself is managed through the website, which features a gorgeously designed GUI interface. Navigating the website is very easy, and so is the monitoring, viewing, and management of the card features themselves. Upon signup, you're going to get a determined APR rate and a credit installment proposition. The card accepts virtually anyone with a credit history and reports to all three of the major credit bureaus. In short, it is a good option for people who are looking to get up to $25,000 credit fast and improve credit up to the desired levels. Its lack of bonuses is bound to change soon, as the team behind the card has announced that they plan on adding bonuses.




14.99% - 29.99%



132 User Ratings

Upgrade Cash Rewards Visa®

at Upgrade's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit Score


Key Features

  • $200 bonus1 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

Our Take

The Upgrade card is a great option for anyone looking for a unique fixed-rate card. It comes with all the necessary features to make your credit payment as effortless and cheap as possible. All of its features are centered around cutting down on the time you have to pay your credit and the ultimate interest rate. When it comes to the rates, you’ll be pleased to find out that there are absolutely no fees associated with this card. There is no foreign transaction fee, no annual or penalty fees whatsoever. This card has minimum criteria to apply and needs a credit score of at least 600 (Fair Credit) to qualify. It is an excellent option as it automatizes many aspects, such as the APR and credit installment, and is bound to help you:

  • Improve your tarnished credit score by reporting to all three of the major credit bureaus
  • Streamline and simplify your credit payments
  • Give you a great headstart with no fees and acceptable APR rate
  • Use it anywhere where VISA is accepted, which is virtually anywhere in the world
  • Have very pleasant management, monitoring, and optimization through a gorgeous website

All these features are centered around the policyholder and his goal of repairing their credit and paying off credit through automatic credit installments.

Upgrade Visa Card Application Process

While other cards might have a complex application process, and a dating website, the application process of the Upgrade Cash Rewards Visa is completely virtual. You can apply on their gorgeous website, which is going to guide you through the whole process with ease. The website is well designed and features an interactive GUI interface. This interface will help you navigate the website itself, and will make sure that you don’t miss out on any credit building options. Before you apply, though, you’re going to need to provide all of the information required. Applying for this card is easy and doesn’t even induce a hard inquiry into your prior credit history.

Top-of-the-Line Security Features

Like with any card that has online management and monitoring, security is a big concern. When it comes to this card in particular, the security features make it stand out among the crowd. The website itself is protected by many different layers of encryption, meaning that all of your money and credit history is safe. A great thing about the security features of this website is that all of them don’t reflect on the usability. All the security that this website has, which is ample, seamlessly goes down in the background. It doesn’t slow the website down and makes sure that you’re going to have a fun time managing your funds in a timely manner. All payments are secured and come with absolutely no fees attached. If you’re looking for a card that will supplement your credit reparation strategy with the utmost security features, this is the card for you.

Reports to Three of the Major Credit Bureaus

This card reports all of its payments and spending to all three of the major credit bureaus, which are Equifax, Experian, and TransUnion. This means that your credit reparation strategy is going to go swiftly, as long as you are responsible for your payments. This card is accepted virtually anywhere where credit cards themselves are accepted, which is courtesy of the Visa platform. At the end of each month, all the balance on your card will automatically be forwarded to your preset credit installment, which you get on sign up.


  • Unlimited Rewards program
  • Free management and monitoring online
  • No fees whatsoever
  • Automatic credit installment and APR rate
  • Free Credit monitoring
  • Low predictable payments


  • Cant be used at ATMs
  • No bonus rewards

Our Thoughts on Upgrade Cash Rewards Visa

  • This option is a reliable one for anyone with fair credit history. However, it doesn’t accept people with prior bankruptcies. The perks and benefits of this card are standard, all catered around getting fast credit with low, fixed fees.
  • It automates numerous aspects of credit, such as the credit installment and APR upon signing up. All the management, optimization, and monitoring are free and are done through the interactive website.
  • The website is updated frequently and is viciously protected by many different layers of encryption.
  • The safety is bulletproof, and the features associated with this card are plentiful. The qualifications are minimal, and the application process is fast. Using this card is as easy as paying with it, but it does come with one drawback.
  • You can’t withdraw cash from this card at an ATM. You can, on the other hand, transfer the funds from this card to your bank account, and then withdraw them. There are no fees when transferring money, opening the card, or penalty APR whatsoever.
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Basic Information
Issuer: Cross River Bank
Network: VISA®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Low Interest Rate
  • High Credit Limit
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 14.99% - 29.99%
Regular APR Type:
Annual Fee: $0
Balance Transfer: No
Late Payment Fee: $0
Other Fees:
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0

Upgrade Cash Rewards Visa® Alternatives

Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa®


Annual Fee


Regular APR


Intro APR


Rec. Credit Score


Additional Information & Comments

*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(r) 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.
**Not available in DC, IA, WV, WI.
***Checking your credit line is free and won't impact your score!
****Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. The availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

*The information provided for Upgrade Cash Rewards Visa® is believed to be accurate at the time of evaluation or recent update on December 11, 2023. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Upgrade Cash Rewards Visa®

Reviews - (2 User Reviews)
Share your experience and rate the Upgrade Cash Rewards Visa®
October 20, 2020
Stephen (36-45) - Cardholder
Income on Application
Credit Score
Fair (580-669)
Credit Limit
Filed for Bankruptcy

Saved my financial situation

I was on the verge of declaring bankruptcy, and this card has saved my financial situation. When I applied for this card, I wasn’t in a good place financially. I started out as a wastewater treatment professional, and the paycheck wasn’t that great. I’ve ruined my credit score, and I could not have repaired it without this card. Apart from having a terrible credit score at the time, I was also broke. This card helped me improve my credit score, and has taught me about proper money management. The free management, monitoring, and optimization through the website really helped me get a grasp of my finances, and start building my credit score up. I now have a top of the line credit card with many more benefits, but I could not have done it without the Upgrade Visa!
Fees & Charges:
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Comment (0)

July 26, 2020
Isabella (26-35) - Wants to have it
Income on Application
Credit Score
Good (670-739)
Credit Limit
Filed for Bankruptcy

Looking to get one ASAP

I’m looking for a credit card that gives lots of flexibility with its terms and combines personal loans with credit loans. For me, the current $2000 credit limit isn’t going to cut it. I heard that people got their credit limits with this card up to $50k! Although I’m not looking for that much, I should be able to get $20k as soon as I get the card. I found it difficult to find cards that would give this much without killing you with their fees. Sent my application today, can’t wait to get it!
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Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa®

Rec. Credit Score: Fair

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