Upgrade Cash Rewards Visa®
on Upgrade's website
Upgrade Cash Rewards Visa®
Card details
Earn 1.5% unlimited cash back on card purchases every time you make a payment.
Combine the flexibility of a card with the low cost and predictability of a loan.
$0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees.
No touch payments with contactless technology built in.
See if you qualify in minutes without hurting your credit score.
Access to a virtual card while you wait for your card to arrive in the mail.
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.
Rates, fees & offers
Annual fee
$0
Rewards rate
1.5%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 8.99%-29.99%
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
4.7
Editor's overall rating
Pros and cons
Pros
No annual fee
No foreign transaction fee
Qualify with average credit
High rewards rate
Reports to the three major credit bureaus
Cons
No bonus offer
Limited availability
The Upgrade Cash Rewards Visa® offers flexibility for anyone who needs to pay off a large purchase over time. You can use the $0-annual-fee card in two ways:
--As a credit card: Make purchases, which are converted to installment loans at a fixed interest rate. If you carry a balance beyond the due date, you can repay it in equal monthly installments over a set period.
--As a personal loan: Tap into your credit limit and request that funds be sent directly to your bank account. Pay back the loan in equal monthly installments over a set period and fixed interest rate.
However, the Upgrade Cash Rewards Visa® lacks many of the upfront and ongoing incentives you'll find on other cards. For more information, see our full review of this credit card.
