Upgrade Visa® Card with Cash Rewards

Upgrade Visa® Card with Cash Rewards

on Upgrade's website

Upgrade Visa® Card with Cash Rewards

Upgrade Visa® Card with Cash Rewards

Upgrade Visa® Card with Cash Rewards

on Upgrade's website

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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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

8.99%-29.99% APR

Regular APR

26.99% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Rating details

4.6

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.