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| Purchase APR (Variable APR) |
14.99% - 29.99% (Verified 08/04/2023)
|
| Balance Transfer APR (Variable APR) |
14.99% - 29.99% (Verified 08/04/2023)
|
| Credit Score Range | Starting at 620 |
| Annual Fee | $0 |
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 or by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. 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.
- 5% Balance transfer fee. Upgrade Life Rewards Visa Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- 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
| The Good | The Bad |
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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 $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.
| Minimum rewards rate | 1x |
| Max rewards rate | 3x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | $200 |
Does Upgrade Life Rewards Visa Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200.
Does Upgrade Life Rewards Visa Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Upgrade Life Rewards Visa Card has a variable purchase APR that ranges from 14.99% up to 29.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 29.99%.
Does Upgrade Life Rewards Visa Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Upgrade Life Rewards Visa Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Upgrade Life Rewards Visa Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $ |
| Late Payment Fee | $0 |
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 have a foreign transaction fee?
Upgrade Life Rewards Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Upgrade Life Rewards Visa Card?
The Upgrade Life Rewards Visa Card customer service number is .
What is the support contact email for Upgrade Life Rewards Visa Card?
The support contact email for Upgrade Life Rewards Visa Card is support@upgrade.com.
What is the Upgrade Life Rewards Visa Card login page?
You can access the Upgrade Life Rewards Visa Card login page here.
How do people rate the customer service and user experience of Upgrade Life Rewards Visa Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Upgrade Life Rewards Visa Card Disclosure:
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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Contact
- Headquarters
-
275 Battery Street
San Francisco, CA 94104 USA - Visit Site
- Email Support
Promotional Offers
Earn a $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.
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Availability
Available in 47 states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Late Fee Amount | $0 |
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