Upgrade Visa® Card with Cash Rewards
on Upgrade's website
Upgrade Visa® Card with Cash Rewards
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
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR8.99%-29.99% APR | Regular APR26.99% Variable APR | |
Intro APRN/A | Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months |
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 Visa® Card with Cash Rewards 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 Visa® Card with Cash Rewards 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.
