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Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa® Review
The annual fee is $0 for this card. With responsible usage, the Upgrade Cash Rewards Visa® could offer you access to a higher credit limit than a traditional credit card and a less expensive way to pay down the balance.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
This site is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Upgrade Cash Rewards Visa®
SIGN-UP BONUS
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
REWARDS RATE
1.5% unlimited cash back on card purchases every time you make a payment
Sign Up Bonus
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Rewards Rate
1.5% unlimited cash back on card purchases every time you make a payment
Annual Fee
$0
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
FairHighlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™ Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- *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.
Additional Info
Foreign Transaction Fee
Up to 3%
Balance Transfer Fee
Up to 5%
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Feb 19, 2025
This card is an interesting hybrid between a credit card and a personal loan, and it allows you to earn 1.5% unlimited cash back on card purchases every time you make a payment.
The Good
- You could receive a lower interest rate for your personal credit line versus a traditional credit card. Also, you could benefit from a predictable monthly payment at a lower interest rate than a credit card, which could help you pay down your balance faster with less cost. The Upgrade Cash Rewards Visa® is a Visa®, which is a widely accepted card.
The Not So Good
- The sign-up bonus is nothing to write home about.
The Bottom Line
The annual fee is $0 for this card. With responsible usage, the Upgrade Cash Rewards Visa® could offer you access to a higher credit limit than a traditional credit card and a less expensive way to pay down the balance.
Editorial Note: This content is not provided by Upgrade. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Upgrade.
Related Card Offers
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on Bank of America's secure site
Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
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