Credit Cards

Upgrade Cash Rewards Visa® review

Are you looking for a new credit card with no annual fee? Maybe the Upgrade Cash Rewards Visa® is the right choice for you. This article will show you its benefits.

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Upgrade Cash Rewards Visa® review: high credit limits with unlimited cash back

Upgrade Cash Rewards Visa® review
Upgrade Visa® Card with Cash Rewards review. Source: The Mad Capitalist.

The Upgrade Cash Rewards Visa® is different from other credit cards, and you’ll learn all about it in this review. When it comes to your finances, it’s important to have the right tools in your arsenal. A great way to start is by upgrading your regular credit card to one that offers better rewards.

In this blog post, we’ll take a look at the features of the Upgrade Cash Rewards Visa® and see if it might be a good fit for you. With bonus rewards on everyday purchases and no annual fee, this card offers a lot! Keep reading to learn more.

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Credit Card

Upgrade Cash Rewards Visa

cash back credit line

Get an Upgrade Cash Rewards Visa® to have a better control of your finances

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  • Credit Score: Fair to Excellent;
  • Annual Fee: $0;
  • Regular APR: 14.99% – 29.99% variable APR;
  • Welcome bonus: $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions.
  • Rewards: 1.5% cashback, unlimited, earned every time you pay your credit card bill.

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Upgrade Cash Rewards Visa®: is it legit?

If you need to make a slightly larger purchase but don’t want to take out a loan, using a regular credit card can cost you a lot in interest. The Upgrade Cash Rewards Visa® is perfect for this case.

Should you get this card?

Upgrade Cash Rewards Visa® review
You can make a bigger purchase with your Upgrade Cash Rewards Visa®. Source: Upgrade.

This card is a go-to for people who frequently carry a balance and ends up paying a lot of interest upon it.

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Pros

  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • 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

Cons

  • Just a few applicants will get higher credit limits. Most will get less than $20,000.
  • This card is unavailable in DC, IA, WV, WI, GA and MA.

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Credit scores required

Upgrade will not exclude any application just because it is not a person with a good or excellent score. If you have an average credit score, you can apply and have a chance of being approved.

However, the credit limit and APR conditions will differ depending on your creditworthiness.

Upgrade Cash Rewards Visa® application: how to do it?

The Upgrade Cash Rewards Visa® can be an excellent addition to your wallet, especially if you usually carry your card balance and don’t want to pay interest on the full amount from one month to the next.

Would you like to have this card? If yes, follow the instructions below to discover the application process.

Apply online

apply Upgrade Cash Rewards Visa®
Apply online for your card. Source: Upgrade.

You can pre-qualify for an Upgrade Cash Rewards credit line. If you like the offer you receive, you can then proceed with the application.

On the Upgrade website, look for the card you chose and get started with your application. It consists of a simple form that asks for basic information. Just your full name, complete address, birthday, and income.

Also, create an account with a password and you’re ready to go. Upgrade will check which credit line you qualify for, and you’ll receive the offer in your email.

Moreover, you should know that this card is unavailable in DC, IA, WV, WI, GA and MA.

Apply using the app

Upgrade has a mobile app for you. Once you complete the application form on the website and conclude the application process, you can download it to check your balance, manage your expenses, and track your credit score.

Upgrade Cash Rewards Visa® vs. Upgrade Triple Cash Rewards Visa®

But Upgrade doesn’t have only one credit card. It also has the Upgrade Triple Cash Rewards Visa®, with the same features but double as much cash back as the Upgrade Cash Rewards Visa®. 

Upgrade Cash Rewards Visa®

  • Credit Score: You can get it with an average score;
  • Annual Fee: Zero;
  • Regular APR: 14.99% – 29.99% variable APR;
  • Welcome bonus: $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions.
  • Rewards: 1.5% cashback.

Upgrade Triple Cash Rewards Visa®

  • Credit Score: Fair to excellent;
  • Annual Fee: No annual fee;
  • Regular APR: Variable 14.99% to 29.99 APR, depending on your creditworthiness;
  • Welcome bonus: $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions.
  • Rewards: Earn 3% cash back on selected categories and 1% cash back on everything else.

To apply for an Upgrade Triple Cash Rewards Visa®, check the following content with some tips about it.

Upgrade Triple Cash Rewards Visa®

How to get the Upgrade Triple Cash Rewards Visa®?

Apply for an Upgrade Triple Cash Rewards Visa®. You can make a big purchase and split your balance into fixed-rate installments.

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred 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 Preferred 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.

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