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Upgrade Visa® Card Cash Rewards: review

The Upgrade Visa Card does not function the same way a traditional credit card does. Traditional credit cards charge interest for every day you carry a balance, but the Upgrade card functions like a line of personal credit.

When spending on a credit card, it’s always best to plan to pay off the balance in full due to high interest rates. But sometimes that’s not possible, and that’s where having a credit card can be beneficial. The Upgrade card will hold you to paying a higher monthly payment each month so your interest charges over time won’t run rampant.

Pros & Cons


  • No annual fee
  • No foreign transaction fee
  • Earn 1.5% cash back
  • Make a fixed payment each month
  • Qualify with average credit
  • High rewards rate
  • Reports to the three major credit bureaus


  • No bonus offer
  • Limited availability

Rates, fees & offers

  • Annual fee: $0
  • Bonus offer: None
  • Intro APR: N/A
  • Ongoing APR
    APR: 8.99% – 29.99% Variable APR
    Penalty APR: N/A
    Cash Advance APR: N/A
  • Balance transfer fee: N/A
  • Foreign transaction fee: None


Visa Signature

Everyone who is approved for the Upgrade card will receive a Visa Signature version of the card which comes with the following perks:

  • Roadside Assistance: Access to pay-per-use roadside dispatch services 24-7
  • Concierge: The Visa concierge can help with travel planning, entertainment tickets, reservations and more
  • Travel and Emergency Services: Provides access to emergency services when away from home including translation services, medical referrals and emergency transportation
  • Extended Warranty Protection: When you use your Upgrade card on eligible purchases it can double the warranty up to one year longer than the original
  • Price Protection: If an item you purchased with your Upgrade card can be found in a print ad at a lower price, you may be eligible for reimbursement for the price difference

How it works

  1. Get your Upgrade Card: Apply online and get a credit line from $500 to $25,000* with your Upgrade Card
  2. Make purchases or get funds sent to your account: Pay with Upgrade Card at retail locations and online wherever Visa® is accepted or get funds sent to your bank account
  3. Pay it down: Make monthly payments, which can be debited directly from your bank account

Cash back

With Upgrade Visa® Card Cash Rewards you’ll earn 1.5% cash back on all purchases, and earnings will be applied to the next month’s balance on your card, almost like a prepayment on your bill.

It’s uncommon for an unsecured card geared toward those with fair credit to offer rewards and charge a $0 annual fee.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.