Is Upgrade Cash Rewards Visa® the right fit for you?
Last Updated: 08/13/2025
SuperMoney User Recommendation Score +88
Strongly recommended16 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Fixed APR)
14.99% - 29.99%(Verified 05/27/2025)
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Balance Transfer APR (Fixed APR)
14.99% - 29.99%(Verified 05/27/2025)
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Credit Score Range
600 - 850
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Annual Fee
$0
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Number of Reviews
Upgrade Cash Rewards Visa® 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 Cash Rewards Visa® is the right card for you, read on.
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?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Upgrade Cash Rewards Visa® have a signup bonus?
Yes. $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.
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?
Upgrade Cash Rewards Visa® provides the following 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.Upgrade Cash Rewards Visa® 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 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Upgrade Cash Rewards Visa®?
The customer service number for Upgrade Cash Rewards Visa® is (844) 319-3909.
What is the support contact email for Upgrade Cash Rewards Visa®?
The support contact email for Upgrade Cash Rewards Visa® is support@upgrade.com.
How do people rate the customer service and user experience of Upgrade Cash Rewards Visa®?
Overall, Upgrade Cash Rewards Visa® is strongly recommended based on community reviews that rate customer service and user experience.
Does Upgrade Cash Rewards Visa® report your account activity to credit bureaus?
Yes, Upgrade Cash Rewards Visa® 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?
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.
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 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
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
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Rating not yet determined
Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
Starting at 580
Annual Fee
$39
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Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
580 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
N/A
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Upgrade Cash Rewards Visa® Community Reviews
Would you recommend Upgrade Cash Rewards Visa® to your friends?
KK
Kidus K.
Jul 10, 2023
May or may not recommend
One of the standout features of the Upgrade Cash Rewards Visa is its mobile app, which deserves special mention for its remarkable intuitiveness and seamless functionality. Managing payments through the app is a breeze, and the user-friendly interface makes it a joy to navigate. Compared to other lesser-known credit cards, the Upgrade app truly shines, providing a convenient and efficient way to handle transactions and stay on top of finances.
What ...Show More
KS
Kirk S.
Feb 3, 2023
May or may not recommend
Love this card! Flat 2.2% cash back on everything. Simple, powerful and very user-friendly. The early pay feature is awesome!!
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I love cash rewards cards. I believe that any card that could potentially offer their consumers to receive rewards of any kind should do so. It is a great incentive and shows that they care to keep the customers that they have happy. Great choice!
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
I would highly recommend this credit card, with no annual fee, it is one of the best!
Vanessa J.
Apr 12, 2022
May or may not recommend
I love cash rewards cards. I believe that any card that could potentially offer their consumers to receive rewards of any kind should do so. It is a great incentive and shows that they care to keep the customers that they have happy. Great choice!
Kayla P.
Feb 25, 2022
May or may not recommend
The cash back rewards feature is one of my favorite reward features offered by visa! The application process was easy, straight forward, and I quickly got approved. 5 out of 5 stats from me!
BM
Bonnie M.
Feb 24, 2022
May or may not recommend
This company offered a line of credit based on my score. There were no long questionnaires just that I was being rewarded for my good credit. Within a matter of one day funds were deposited. And they are always checking in with me to see if there is anything they can assist me with.
BO
Bobmanuel O.
Feb 23, 2022
May or may not recommend
Please do not apply for this card. Your card will arrive with a bill already past due. They will demand a $32 late fee before you even receive the card.
Taylor B.
Feb 14, 2022
May or may not recommend
Very good intro credit care. Super quick process to apply and no annual fees. Be sure to look into autopay to get a lower rate
ES
Emily S.
Nov 3, 2021
May or may not recommend
No annual fees and get cash back perks easily with the card! since it's at 1.5% The sign up process is super easy and you can get a lower rate if you choose to autopay.
GL
Grace L.
Aug 13, 2021
May or may not recommend
This card is good because it has Lower than average purchase APRs and it considers fair to poor credit score users. You'll also earn 1.5% cash back on all purchases, which is a plus.
MS
Michelle S.
Jul 7, 2021
May or may not recommend
I would highly recommend this credit card, with no annual fee, it is one of the best!
SC
Shoane C.
Jun 28, 2021
May or may not recommend
This is one of the best credit cards that you can have. I got this credit card for my daughter about 6 months ago, and I must say that it's the best. Earn cash back as you make payments on purchases. Get pre-approved in minutes. $0 Fraud Liability. No Fees. Unsecured Card. Build Your Credit. Predictable Payments. Contactless Card. These are really the reasons why I choose to get this ...Show More
RP
Rene P.
May 29, 2021
May or may not recommend
One thing that can be said about this Upgrade Visa Card is the application process was very simple. Payments can be made on the mobile app, which I have to mention is incredibly intuitive and seamless in comparison to other lesser-known credit cards. It works like a loan system but you can keep the money on the account and use it as you need it. I'd recommend this card or ...Show More
Imoleayo L.
May 5, 2021
May or may not recommend
Using Upgrade Visa Card comes with a very enjoyable experience. I get my cash backs without fail and the customer service is great. It was pretty easy for me to apply for and get my card working due to their swift and efficient mode of operation.
LD
Layla D.
Apr 23, 2021
May or may not recommend
I had no credit history due to being afraid of credit cards. This card helped me get started on the path to getting a better credit score. The customer service was friendly and answered my newbie questions about credit cards which helped me make the leap to getting my first credit card.
Showing 16 of 16 reviews
