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Read on to learn about an incredible card with cash back and a high credit limit!

Upgrade Cash Rewards Visa®: more than just a credit card


The Upgrade Cash Rewards Visa® has a special feature that you might like. Along with the higher credit limit, it will split your balance to give you better predictability to pay it. Carrying a full balance for months on other credit cards can be very expensive because you’ll pay a lot of interest on it. But it will not happen with the Upgrade Visa® Card with Cash Rewards.


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On top of this special payment condition, you'll have many other benefits:

1.5% unlimited cash back on every purchase
You can apply even if your credit score is not-so-good
No annual fee
Visa signature on your contactless card

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The Upgrade Cash Rewards Visa® Credit Card is your go-to partner for savvy spending and managing finances with ease.

This card isn’t just a means of payment; it’s your ally in building a healthy financial life, offering cash back on purchases with no fuss.

Strengths and Special Offerings

  • Simple Cash Back: Earn an uncomplicated 1.5% cash back on all your purchases without tracking rotating categories or signing up for special rewards.
  • No Annual or Hidden Fees: The absence of an annual fee, coupled with a clear fee structure, relieves you of unexpected charges and helps you plan your finances effectively.
  • Combining Credit and Payments: Unique to Upgrade, you can transfer your card balance to a personal loan offering, allowing you flexible repayment options and potentially lower interest rates, easing any financial strain.
  • Useful Mobile App: Manage your transactions, repayments, and view your cash back earnings in real-time with their intuitive mobile app.
  • Credit Building: With responsible use, this card can help you build your credit score, thanks to Upgrade’s reporting of payments to credit bureaus.
  • Unlimited Cash Back: Your cash back rewards have no ceiling, allowing you to potentially accumulate significant rewards over time.

Limitations to Consider

  • Foreign Transaction Fees: The card may not be ideal for international travelers due to the additional fees incurred on purchases made outside the US.
  • Cash Back Redemption Restrictions: The cash back you earn automatically applies to your statement balance, offering less flexibility.
  • High APR for Certain Borrowers: Depending on your creditworthiness, you could be subject to a relatively high APR.
  • Limited Additional Perks: The card lacks some of the travel and shopping perks that come standard with other cash back cards.

The Upgrade Cash Rewards Visa® Credit Card is a strong contender for those who value simplicity and an uncomplicated rewards structure.

While it streamlines cash back earning, users should consider their spending patterns and preferences, such as the need for flexible rewards redemption, before diving in.

This card’s strength lies in its simplicity, making it a reliable option for first-time credit card users or those seeking to consolidate and manage their spending efficiently.

You can use your Upgrade Cash Rewards Visa® to make different purchases! Plus, you’ll earn up to 1.5% cash back on purchases you make with your card after you pay them back. Also, you’ll be able to make purchases at retail locations to earn your cash back!

You can get a relatively high credit line for the Upgrade Cash Rewards Visa®. As long as you apply online for this card, you’ll be able to get a credit line ranging from $500 to $25,000 to use on your Upgrade card!

You don’t need an extremely high credit score to have a chance of being approved for an Upgrade Cash Rewards Visa®. So, you can get approved with a score of 560 (good).

Upgrade Cash Rewards credit card

Upgrade Cash Rewards Visa® application

You can apply for an Upgrade Cash Rewards Visa® in a couple of minutes without leaving your house to do it. Learn how to apply online for your new credit card.

Are you not so sure about applying for the Upgrade Cash Rewards Visa® card? Or are you just more into investing in crypto, and this card does not offer that many crypto benefits?

Either way, you can try a different option, and we can help you out! For example, you can try applying for the Upgrade Bitcoin Rewards Visa® card.

With this credit card option, you’ll be able to earn your rewards in the form of crypto-related perks! Moreover, there is a Bitcoin reward rate of 1.5% unlimited back.

So, check out our post below if you want to learn more about this card and how to apply for it!

Upgrade Bitcoin Rewards Visa credit card

Application for the Upgrade Bitcoin Rewards Visa®

Applying for an Upgrade Bitcoin Rewards Visa® is an excellent way to get your first Bitcoins or get more of them to your wallet. Learn how to apply for it!

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