Credit Cards

Application for the Upgrade card: how does it work?

Learn how to apply for the Upgrade credit card and you'll have a credit card with no fees to use everywhere.


by Julia Bermudez

06/13/2022 | Updated on 07/07/2022

Upgrade card: build a score while you enjoy the best payment conditions on a credit card

upgrade credit card
Apply for the Upgrade card. Source: The Mad Capitalist.

With the Upgrade card, you can forget about bad offers for people with bad scores. This card charges no fees at all. No annual or monthly fee, no foreign transaction fee, and even no late payment fee.

It is an excellent option for people looking for repairing their credit scores.


Credit Card

Upgrade Card

Visa signature Easy to get

No annual fee and special payment conditions.

You will be redirected to another website

It doesn’t offer any rewards or bonuses when you apply for it, but it is not very common for a credit card designed for people with low scores to offer these things.

The Visa signature will grant you benefits and your card will get accepted everywhere. You’ll have a great credit card both for everyday use or for bigger purchases. Keep reading and we’ll tell you how to apply for it.

Apply online

excited woman celebrates looking at laptop
You can check the offer before applying for the Upgrade Card. Source: Freepik.

As a person who is trying to build a good credit score, the last thing you want is to keep hurting yours with hard inquiries. So, to avoid that, Upgrade allows you to check your offer with a pre-qualify before making any check on your score that will stay on your reports.

To check your offer and pre-qualify is very simple. You just need to go to Upgrade’s website, look for the credit card sessions, and hit the “get started” button on your card of choice. If you’re building credit, you’ll have to go for the Upgrade card with no rewards.

This application consists of a simple form. Upgrade will not ask for much information. Just the basics, like your full name, address, annual income, and its source. Create your account with your email and password to submit your form.

But don’t submit it before reading their terms and conditions, privacy policy, agreements, and other crucial info you’ll find right above the button to submit your form. 


Apply using the app

The Upgrade mobile app allows you to manage your monthly payments, check your latest purchases, make payments and check your credit score progress. 

Download the app after you get the card. Apply through the website. 


Upgrade card vs. Upgrade card with Cash Rewards

As soon as you improve your credit score, you can apply for a better credit card with benefits. Upgrade has this better option for you, with cash back rewards and the same payment benefits as the Upgrade credit card. 

Upgrade Card

  • Credit Score: Poor/Fair.
  • Annual Fee: $0
  • Regular APR: 8.99% to 29.99% according to your creditworthiness
  • Welcome bonus: N/A
  • Rewards: No rewards.

Upgrade Card with Cash Rewards

  • Credit Score: Average/Good.
  • Annual Fee: $0
  • Regular APR: 8.99% to 29.99% APR
  • Welcome bonus: No sign-up bonus for new cardholders. 
  • Rewards: 1.5% cash back every time you pay your card bill.
upgrade cash rewards credit card

Upgrade Cash Rewards card application

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

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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