Simple, Smart, and Rewarding: Upgrade Visa with 1.5% Cash Back
The Upgrade Visa Card offers a more innovative way to pay with a unique approach to credit. You get 1.5% unlimited cash back, a fixed APR, and a pre-approval of up to $20,000 – all with no fees. Designed to help you save on interest and build credit faster, this card is ideal for those with at least a 600 FICO score (FAIR or above).
What is the Upgrade Visa?
The Upgrade Visa Card with Cash Rewards is a modern credit card built for responsible spending. Instead of a traditional revolving credit line, it offers a fixed-term installment loan, helping you pay off balances efficiently while earning rewards. Issued by Cross River Bank and FDIC-insured, it combines a credit card’s flexibility with a loan’s structure.
NEW: Upgrade offers a Bitcoin Rewards Visa and a Triple Cash Visa with 3% cash back.
Why We Like It
✔ 1.5% Unlimited Cash Back on every purchase.
✔ No Fees. No annual fees, late fees, or foreign transaction fees.
✔ Fixed APR. Your interest rate stays the same (based on your credit score).
✔ Reports to All 3 Major Credit Bureaus. It helps build your credit fast.
✔ High Approval Rates. Fair credit (600 FICO) or above qualifies.
✔ Fast Online Pre-Approval. No hard inquiry until final approval.
✔ Secure Digital Banking. It is fully managed via a sleek online platform.
Upgrade Visa: The Features That Matter
Smart Credit Management
🔹 Fixed Monthly Payments – avoid revolving debt.
🔹 Predictable Installments – credit lines from $500 to $50,000.
🔹 Fast Online Access – track spending in real time.
No Hidden Costs
🚀 Zero Fees. No setup, annual, or penalty fees.
🚀 No Foreign Transaction Fees. Spend internationally with confidence.
🚀 Fixed APR. Unlike other cards, there are no unpredictable rate hikes.
High Credit Approval
💳 Easier to Qualify. Available to those with at least FAIR credit.
💳 Pre-Approval Without Impacting Credit Score. Check your rate before applying.
💳 Reports to TransUnion, Equifax, and Experian. It helps improve your credit history.
What Could Be Better?
✖ No ATM Access. You can’t withdraw cash directly.
✖ Not for Poor Credit. Requires at least a 600 FICO score.
✖ No Welcome Bonus. Many cards offer signup perks, but Upgrade doesn’t (yet).
Is the Upgrade Visa Right for You?
This card is perfect if you:
✅ Want to build credit responsibly.
✅ Need a no-fee, low-cost borrowing option.
✅ Prefer predictable, structured payments.
✅ Want unlimited cashback without category restrictions.
But skip it if you need ATM access or have bad credit.
How to Apply for the Upgrade Visa Card
Step 1: Check Your Offer (No Impact on Credit Score)
Visit Upgrade.com, enter your basic details, and instantly see your credit line & APR.
Step 2: Accept Your Pre-Approval
If the terms look good, accept your offer to finalize your application.
Step 3: Receive & Activate Your Card
Your Visa card arrives within days. Activate it online and start spending!
Pro Tip: Want a higher credit limit? Consider an Upgrade Personal Loan*** for up to $50,000.
Where Can You Use It?
🌍 Anywhere Visa is accepted – millions of retailers worldwide. 💰 Online payments & digital transactions. 🔄 Fund transfers to your bank account (instead of cash withdrawals).
Final Thoughts: Is the Upgrade Visa Worth It?
The Upgrade Visa Card with Cash Rewards is a no-nonsense credit tool. It’s an ideal card for earning rewards while keeping borrowing costs low. The lack of fees, fixed APR, and credit-building perks make it a top choice – if you don’t need cash withdrawals.
💡 Bottom Line: If you want an easy-to-manage credit card that saves you money, this is it.
How to Contact Upgrade Company?
- Customer Support: toll-free line at 1-855-997-3100 (Monday-Friday, 6 A.M. – 6 P.M., Saturday and Sunday, 6 A.M. – 5 P.M. Pacific Time)
- Help Center: click here
- Email Address: contact@upgrade.com
| Headquarters | For Standard Mail | For Courier Deposits (FedEx, UPS, etc.) |
|---|---|---|
| Upgrade Inc. Suite 2300 275 Battery Street San Francisco, CA 94111 | Upgrade, Inc. DEPT LA 24576 PASADENA, CA 91185-4576 | Upgrade, Inc. 24576 14005 LIVE OAK AVE IRWINDALE, CA 91706-1300 |
Frequently Asked Questions
***Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners. Information on Upgrade’s bank partners can be found at https://www.upgrade .com/bank-partners/.
