thumb_up Explore the Benefits

The Upgrade Cash Rewards Visa® Card simplifies spending with cash back on every purchase and flexible repayment options, offering valuable perks for everyday use.

• done Unlimited 1.5% cash back on all purchases.
• done No fees, including annual, foreign transaction, or late fees.
• done Flexible repayment options with fixed monthly payments.
• done Access to credit lines up to $50,000.

thumb_down Understand the limitations

The Upgrade Cash Rewards Visa® Card has benefits but may not be ideal if you seek premium rewards or travel perks.

• close No introductory 0% APR offers.
• close No travel rewards or points system.
• close Higher interest rates for those with lower credit scores.

help How to Apply for the Upgrade Cash Rewards Visa® Card

Applying for the Upgrade Cash Rewards Visa® Card is simple. Check pre-approval without affecting your credit score, and once approved, access your credit line and start earning cash back immediately.

1. Visit the Upgrade website.
2. Click on “Get Started” to check pre-approval.
3. Fill in the required personal and financial information.
4. Review your credit line offer.
5. Complete the application by agreeing to the terms.
6. Receive approval and start using your card.

The Upgrade Cash Rewards Visa® Card is perfect for those seeking cash back rewards while managing debt responsibly. With 1.5% unlimited cash back on every purchase, it combines the benefits of a credit card and personal loan, offering flexible repayment through fixed monthly payments. This card shines with no fees—annual, late, or foreign—and provides credit lines up to $50,000. Pre-approval checks won’t affect your credit score. However, it lacks travel rewards and 0% APR promotions, and lower credit scores may mean higher interest rates. Its simple application process makes it a great option for earning rewards and managing finances efficiently.