Last Updated: 08/13/2025
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Upgrade Cash Rewards Visa® Review
Key Takeaways
- $200 bonus when you open a Rewards Checking Plus account and make three debit card transactions. 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 Cash Rewards Visa® has a fixed 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.
- A 5% balance transfer fee. Upgrade Cash Rewards Visa® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- Soft credit pull. You can check whether you qualify for Upgrade Cash Rewards Visa® without a hard pull on your credit report. Most credit card issuers don't offer this option.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Upgrade Cash Rewards Visa®
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Upgrade Cash Rewards Visa® FAQ
Does Upgrade Cash Rewards Visa® have a cash back or rewards program?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Upgrade Cash Rewards Visa® have a signup bonus?
Does Upgrade Cash Rewards Visa® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Upgrade Cash Rewards Visa® benefits?
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Upgrade Cash Rewards Visa®?
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.Does Upgrade Cash Rewards Visa® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Upgrade Cash Rewards Visa® 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 Cash Rewards Visa®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Upgrade Cash Rewards Visa®?
What is the support contact email for Upgrade Cash Rewards Visa®?
What is the login page for Upgrade Cash Rewards Visa®?
How do people rate the customer service and user experience of Upgrade Cash Rewards Visa®?
Does Upgrade Cash Rewards Visa® report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Upgrade Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Upgrade allows you to check your rate with a soft pull that has no impact to your credit score.How to apply for Upgrade Cash Rewards Visa®
- Visit the website of Upgrade Cash Rewards Visa®.
- 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.
Upgrade Cash Rewards Visa® 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 Cash Rewards Visa®'s published terms & conditions
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