Is Upgrade Select Card the right fit for you?
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
14.99% - 29.99%(Verified 02/20/2025)
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Balance Transfer APR (Fixed APR)
14.99% - 29.99%(Verified 02/20/2025)
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Credit Score Range
Starting at 580
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Annual Fee
$39
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Upgrade Select Card Review
This is a cashback credit card issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank. If you're wondering whether Upgrade Select Card is the right card for you, read on.
Key Takeaways
- Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
- APRs: Upgrade Select Card has a fixed purchase APR that ranges from 14.99% up to 29.99%.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Upgrade Select Card
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Upgrade Select Card FAQ
Does Upgrade Select 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.
| Description |
Does Upgrade Select Card have a signup bonus?
Yes. Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
Does Upgrade Select Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Upgrade Select Card benefits?
Upgrade Select Card provides the following benefits:
- Reports to major credit bureaus
What are the relevant APRs for Upgrade Select Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Upgrade Select Card has a fixed purchase APR that ranges from 14.99% up to 29.99%. The card has a fixed balance transfer APR that ranges from 14.99% up to 29.99%.
Does Upgrade Select Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Upgrade Select 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 Select Card?
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| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
What is the customer service phone number for Upgrade Select Card?
The customer service number for Upgrade Select Card is (844) 319-3909.
What is the support contact email for Upgrade Select Card?
The support contact email for Upgrade Select Card is support@upgrade.com.
How do people rate the customer service and user experience of Upgrade Select Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Upgrade Select Card report your account activity to credit bureaus?
Yes, Upgrade Select Card reports to the following credit bureaus:
- 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 build your credit.
Does Upgrade Inc perform a hard credit pull?
Yes, Upgrade Select Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Upgrade Select Card
- Visit the website of Upgrade Select Card.
- 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 Select Card Disclosure: Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging from $500 - $25,000 based on creditworthiness. The lowest rates require Autopay and the majority of line amounts will be $15,000 or under. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
View Upgrade Select Card's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
Promotional Offers
Earn a $200 Bonus!
To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Visit SiteHours of Operation
Sunday
6:00AM - 5:00PM
Monday
5:00AM - 7:00PM
Tuesday
5:00AM - 7:00PM
Wednesday
5:00AM - 7:00PM
Thursday
5:00AM - 7:00PM
Friday
5:00AM - 7:00PM
Saturday
6:00AM - 5:00PM
Other Services by Upgrade Inc
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Purchase APR
14.99% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
600 - 850
300
850
Annual Fee
$0
Sponsored
Upgrade Triple Cash Rewards Card
Sponsored
Purchase APR
14.99% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 29.99%
Disclaimer popup with additional information
Credit Score Range
580 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
14.99% - 29.99%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+50
-1000+100
No one recommends
Everyone recommends
Upgrade Select Card Community Reviews
Would you recommend Upgrade Select Card to your friends?
TK
Theodore K.
Mar 14, 2024
May or may not recommend
This Upgrade Select Card was listed on Cross River. I could apply for the card even with my low credit score and I was drawn to the $200 bonus. However, I realized too late that the interest rate (APR) and annual fees were quite high. Also, there are no cashback or rewards except for the $200 welcome bonus. I wish I had done more research on SuperMoney before I chose ...Show More
KC
Kawanis C.
Feb 29, 2024
May or may not recommend
It is a very good card if you have low credit and have been rejected by multiple lenders. This card doesn't come with cash rewards and it has an annual fee but that is understandable since they accept some of the lowest credit card scores and provide a haven for those who find it hard to get the loan they need.
You can spend the card at almost every online merchant, ...Show More
JL
John L.
Feb 23, 2024
May or may not recommend
I'm thrilled with the experience so far! Their online platform is user-friendly, making it easy to manage my accounts from anywhere. Plus, their customer service team is top-notch – always friendly and ready to help with any questions I have. I also love their range of products, from savings accounts to personal loans, all designed with the customer in mind. Overall, Upgrade Select Bank has made banking simple and stress-free ...Show More
David R.
Feb 18, 2024
May or may not recommend
Vary good and helpful need to us this in the first place
Showing 4 of 4 reviews
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