Upgrade Life Rewards Visa Card

Upgrade Life Rewards Visa Card Review

This is a cashback card issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. If you're wondering whether Upgrade Life Rewards Visa Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3x.
• Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
• Competitive APRs. Upgrade Life Rewards Visa Card has a variable purchase APR that ranges from 14.99% up to 29.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of Upgrade Life Rewards Visa Card

Upgrade Life Rewards Visa Card FAQ

Does Upgrade Life Rewards Visa Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

What are the Upgrade Life Rewards Visa Card benefits?

It provides the following benefits:

• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Upgrade Life Rewards Visa Card?

Upgrade Life Rewards Visa Card has a variable purchase APR that ranges from 14.99% up to 29.99%.

What are the fees for Upgrade Life Rewards Visa Card?

The following fees apply:

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Upgrade Life Rewards Visa Card report your account activity to credit bureaus?

Yes, Upgrade Life Rewards Visa Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Upgrade Life Rewards Visa Card

• Visit the Upgrade Life Rewards Visa Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.