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Upgrade Visa® Card with Cash Rewards

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Upgrade Visa® Card with Cash Rewards

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 20 Offer Ratings
Over the Past 60 Days!

(20) Over the Past 60 Days!

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  • Regular Purchase APR

    6.99%-29.99%

  • Intro Purchase APR

    N/A

  • Intro BT APR

    N/A

  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment         
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability 
  • See additional Upgrade Visa® Card with Cash Rewards details

Card Fees

  • Foreign Transaction Fee

    $0

  • Balance Transfer Fee

    N/A

  • Cash Advance Fee

    N/A

Additional Card Details

  • $0 Fraud Liability

    Yes

  • Auto Rental Insurance

    No

  • Extended Warranty Program

    No

  • Roadside Assistance

    No

  • Purchase Protection

    No

  • Travel Assistance

    No

  • Flight Accident Insurance

    No

  • Lost Luggage Reimbursement

    No

  • Concierge Service

    No


Expert Reviews

  • Regular APR

    5.0

  • Intro APR

    1.0

  • Fees

    5.0

  • Benefits

    1.0

  • Overall Rating

    3.0 /5

From the LendingTree.com Editorial Team

Upgrade, an online lending company, expanded into the credit card space in late 2019. The launch of the Upgrade Visa® Card with Cash Rewards reveals an innovative new offering for consumers with fair credit or above.  Upgrade created a ‘hybrid’ of a credit card and personal loan into one unique product. Consumers who apply and are approved for this card will access a personal credit line from $500 to $20,000. Card charges are combined into installment plans payable over 12 to 60 months. The benefit of this structure is that your purchases are combined into a fixed term/payment schedule as opposed to a minimum monthly payment with a high interest rate. Upgrade Visa® Card with Cash Rewards interest rates start lower than traditional credit cards with a range from 6.99%-29.99% APR.

The Bottom Line

There is $0 annual fee and no usage fees for the card. With responsible usage, the Upgrade Visa® Card with Cash Rewards could offer you access to a higher credit limit than a traditional credit card and a less expensive way to pay down the balance.

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 Visa® Card with Cash Rewards is a Visa®, which is a widely accepted card.

The Not So Good


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.

Expert Reviews of the Upgrade Visa® Card with Cash Rewards

  • Regular APR

    5.0

  • Intro APR

    1.0

  • Fees

    5.0

  • Benefits

    1.0

  • Overall Rating

    3.0 /5


Consumer Reviews 20 Reviews

Offer Rating

3.0 out of 5.0

5 Star
 
 
(2)
4 Star
 
 
(3)
3 Star
 
 
(10)
2 Star
 
 
(3)
1 Star
 
 
(2)

Your Rating

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