Upgrade Cash Rewards Visa®

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

Updated: Feb 21, 2025

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.

ANNUAL FEE

$0

ONGOING APR

14.99% - 29.99%

INTRO APR

N/A

132 User Ratings

Upgrade Cash Rewards Visa®

at Upgrade's Secured website

Apply Now

Introductory APR

N/A

Intro APR Period

N/A

Recommended Credit Score

Fair

Key Features

  • $200 bonus1 after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy.

Our Take

The Upgrade card is an excellent option for a unique fixed-rate card. It has all the necessary features to make your credit payment as effortless and cheap as possible. Its features center around reducing the time you must pay your credit and the ultimate interest rate. Regarding the rates, you’ll be pleased to find out that no fees are 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 major credit bureaus.
  • Streamline and simplify your credit payments
  • Give you a great headstart with no fees and an acceptable APR rate
  • Use it anywhere where a Visa is accepted, which is virtually anywhere in the world
  • Have enjoyable 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 Upgrade Cash Rewards Visa application process is entirely virtual. You can apply on their gorgeous website, which will quickly guide you through the process. The website is well-designed and features an interactive GUI interface. This interface will help you navigate the website and ensure you don’t miss out on any credit-building options. Before you apply, though, you will need to provide all of the information required. Applying for this card is easy and doesn’t require a hard inquiry into your credit history.

Top-of-the-Line Security Features

Security is a big concern; like any card, it is managed and monitored online. Regarding this card, the security features make it stand out among the crowd. The website is protected by many different layers of encryption, meaning all your money and credit history is safe. A great thing about the security features of this website is that they don’t reflect 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 ensures you’ll have a fun time managing your funds promptly. 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 card is for you.

Reports to Three of the Major Credit Bureaus

This card reports all of its payments and spending to all three major credit bureaus: Equifax, Experian, and TransUnion. Your credit reparation strategy will go swiftly if you are responsible for your payments. This card is accepted virtually anywhere credit cards are accepted, 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.

Pros

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

Cons

  • Can’t be used at ATMs
  • No bonus rewards

Our Thoughts on Upgrade Cash Rewards Visa

  • This option is a reliable one for anyone with a 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 credit installments and APR upon signing up. All the management, optimization, and monitoring are free and can be done through the interactive website.
  • The website is updated frequently and is viciously protected by many different layers of encryption.
  • This card’s safety is bulletproof, and its features are plentiful. The qualifications are minimal, and the application process is fast. Using this card is as easy as paying but has one drawback.
  • You can’t withdraw cash from this card at an ATM. However, you can transfer the funds to your bank account and withdraw them. There are no fees for transferring money or opening the card, and there is no penalty APR.

Apply Now
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: See Terms
Other Fees:
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Late Payment Fee: May apply

Upgrade Cash Rewards Visa® Alternatives


Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa®

APPLY NOW

Annual Fee

$0

Regular APR

29.99%

Intro APR

N/A

Rec. Credit Score

Fair

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® 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. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
**Not available in DC, IA, WV, WI, GA, MA
***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 after the necessary verifications have been cleared. The funds' availability depends on how quickly your bank processes the transaction. Funds should be available from approval 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.

IMPORTANT
*The information provided for Upgrade Cash Rewards Visa® is believed to be accurate at the time of evaluation or recent update on February 21, 2025. 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®
(Good)
October 20, 2020
Stephen (36-45) - Cardholder
Income on Application
$47760
Credit Score
Fair (580-669)
Credit Limit
$700
Filed for Bankruptcy
No

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:
5/5
Features & Benefits:
5/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

(Excellent)
July 26, 2020
Isabella (26-35) - Wants to have it
Income on Application
$75300
Credit Score
Good (670-739)
Credit Limit
$2000
Filed for Bankruptcy
No

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!
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa®

Rec. Credit Score: Fair

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