This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.2
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→14.99% - 29.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Fair
WalletHub's Take: The Upgrade Cash Rewards Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.
Pros
No membership fees
Qualify with fair credit
Cons
APR up to 29.99%
No grace period
Rewards Details
$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
1.5% unlimited cash back on every purchase
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
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.
Additional Info
The Upgrade Cash Rewards Visa® is no longer available through WalletHub.com but may be available on the Upgrade website. Info about the card has been collected by us, the financial institution did not provide the details.
No annual fee
See if you qualify in seconds with no impact to your credit score
Combine the flexibility of a card with the predictability of a personal loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
Contactless payments with Apple Pay® and Google Wallet™
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
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.3
User Reviews
3.4
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 4.7
Other Features: 5.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→14.99% - 29.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.99% - 29.99%
annual fee
$0
rewards rate
1 - 3% Cash Back
minimum credit
Fair
WalletHub's Take: The Upgrade Triple Cash Rewards Visa is a good card for people with fair credit whose top expenses include purchases that are categorized as home, auto or health. The Upgrade Triple Cash card is worth it because it has a $0 annual fee and gives rewards of 1 - 3% cash back.
Pros
$0 annual fee
1 - 3% cash back
Qualify with fair credit
Cons
APR up to 29.99%
Rewards may take longer to get
No grace period
Rewards Details
$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
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
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.
Additional Info
The Upgrade Triple Cash Rewards Visa® is no longer available through WalletHub.com but may be available on the Upgrade website. Info about the card has been collected by us, the financial institution did not provide the details.
No annual fee
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty 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
I've done business with Upgrade for around 4 years or so. I have two cards with them now, also never late. On 5/16/26 they cut my credit limit by 75% and showed a negative balance of $1200.00 This now shows that I'm over the limit. the payments are on auto pay. I've never been late on anything with them. I asked them why and they said one of my other cards increased my credit limit. This is very bad business with customers that pay on time and never been late, this should be unfair credit practice. I think Upgrade are having some hidden financial problems based on how they're handling things right now. I won't be using them for anything going forward.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
Rich Man @rbtfortune
Report Abuse
1 Star Rating
I've done business with Upgrade for around 5 years or so. I had a personal loan that was payed off, never late. I have two cards with them now, also never late. This year they removed almost the entire amount of available cash and today they removed almost all of the available credit. This now shows that I'm over the limit on both cards. I don't use the cards, the payments are on auto pay. I've never been late on anything with them. I asked them to close both cards since they've removed all but 500 dollars in credit, I have other cards I can use. They said I had to pay the balance on both cards first. This is bad business. I think Upgrade or Cross River are having some hidden financial problems based on how they're handling things right now. I won't be using them for anything going forward.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
anna Salkay @aszalkay
Report Abuse
1 Star Rating
This card company will lower your credit amount and will take points from your credit over it by placing you over the limit. Find a better card. This one isn't worth the hassle. There are other companies who won't do this to you.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
juanita davis @jb4davis
Report Abuse
1 Star Rating
This is the worst deception I have seen in life. The go up on the interest rate for no reason, suspends cash withdraws, and place suspensions on the card. Worst I have seen.
They lowered my credit limit when I have never missed a payment. I will make sure that if I can hurt this company's reputation, I will do it.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
Chris smith @cbeldridge8
Report Abuse
1 Star Rating
Stay away from this company. They have outrageous interest rates, and although they extend a line of credit, they limit it to less than 10% of the amount. It's a waste of time.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
James @ericleo231
Report Abuse
1 Star Rating
Unreal, I was a customer for over 7 years, still have perfect credit, and they bump up my internet rate and lower my cash transfer rate to almost nothing for a line of credit card. I've already closed my account; stay away from this company.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
brianne martinez @bree_martinez9
Report Abuse
1 Star Rating
I wish you could give negative stars. The company refuses to help you and will give you the runaround when you have problems. Someone broke into my car while I was at a restaurant, and I only had one credit card with an upgrade. Somehow when the suspect charged $700 on my credit card, it miraculously went onto an account I had no idea even existed. When I called to report the fraudulent charges, I was never told I had two accounts. I informed the representative of the $700 charge and she advised me she could not see the charge and to call back once it posted. They then set up automatic payment withdrawals without my consent and by the time I realized what happened, they are refusing to remove the charge due to my not reporting it within the 60-day timeframe, when clearly, I did, but was told she couldn't see it on my account. This company is SCAM. Do not get anything with them.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
it5946 @it5946
Report Abuse
1 Star Rating
Everything you see here in the reviews is true. I have been through several of the same issues others have posted about. They gave me a $10,000 credit line only to drop it to $6,000. Then, when I used the card my second time, they dropped it down to $1,000, putting me in a position where it looked as if I was $4,000 overdrawn and ruining my credit-to-debt ratio. When I called and asked about this nonsense, they claimed it's not reported. I beg to differ. Either way, it's a terrible experience and makes you feel like you did something wrong, yet it is their business practices that are ruthless, to say the least. They did something similar with a loan I had, and I had a checking account through them, which is really Cross Country Bank, so I can make direct payments to them. I would deposit the money and it would take 7-14 days to clear and post, almost making my payment late many times. My only defense was the posted date my payment was made, but it wouldn't show on my account, perhaps accruing more interest for them by delaying the post a few days. I'm not sure. I just know it's ridiculous in this time and age when computers can post anything in real time such as Zelle or Cash App. I understand those run under a different type of system, but still, 14 days to post is a joke. I agree with the one star because the loan did help me out when I needed it, and it seems their rates are pretty fair if you can deal with their ruthless style that can be stressful. But you need a fair rate, then go ahead.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
RJB RJB @greenwood0492
Report Abuse
1 Star Rating
Upgrade is awful. I've had their card for years and never used it until August. Two years ago, I was notified that fraudulent charges were made with my card in California. I reported it immediately. They didn't credit the transactions to my account and spent nearly two months demanding information that I didn't have because I didn't make the purchases in California. I live in the Midwest and have never been to California. After a couple of months, I got an email from Upgrade saying the merchant refunded the two transactions back to my card but that any fees or interest were to be paid by me. I said absolutely not. Somehow the balance disappeared. When I used my card back in August, I set up auto-pay. They claim my bank declined the payment because they couldn't find my account. The bank account I use to pay my bills is in my husband's name, not mine, and they claim that was the problem. So I tried linking the bank account via the app, and it claims they can't verify it. This company seems very scammy.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
Review Upgrade Credit Cards
Upgrade Credit Card Q&A
Get answers to your questions about Upgrade Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To log in to your Upgrade Triple Cash Rewards Visa® account, go to Upgrade's website or mobile app, enter your username and password in the appropriate fields, and click the button to sign in. If you don't already have an online account with Upgrade, you'll need to enroll first and set up a username and password.
How to Log in to Your Upgrade Triple Cash Rewards Visa® Account
Visit Upgrade's website or app. Navigate to the login box at the top of the page, where it will ask for your username and password. Below that will be an option to enroll in a new account.
Create your online account. If you haven't done so already, click on the button to enroll or create an account. From there, you'll confirm your identity and create a username and password.
Enter your credentials. In the login box on Upgrade's website or app, enter your username and password. Then, click the button to sign in to your account.
After you have signed up and logged in, you'll be able to manage your Upgrade Triple Cash Rewards Visa® account online. You can pay your credit card bill, see your statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click the option to retrieve your username or reset your password on Upgrade's website or app. Then, follow the prompts to obtain your login info.
The Upgrade Cash Rewards Card comes with a credit limit that varies based on each applicant's creditworthiness. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The Upgrade Cash Rewards Card credit limit that you receive upon approval isn't necessarily permanent. You can ask to get a credit limit increase by calling the Upgrade customer service number on the back of your card, but it's best not to ask more than once a year. Upgrade will...
The Upgrade Cash Rewards Visa® credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Upgrade Cash Rewards Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Upgrade Cash Rewards Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Your Upgrade Card can improve your credit score, but that depends on how much you spend on your card to how you handle payments.
It reports to the three main consumer credit bureaus on a monthly basis, so making all your credit card payments on time, every month, will definitely help your credit score.
While it's ideal to pay off your credit card balance each month to avoid interest charges, that might not...
Yes, the Upgrade Cash Rewards Visa® does have pre-approval. Upgrade requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for an Upgrade Cash Rewards Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.
Keep in mind that Upgrade Cash Rewards Card pre-approval does not affect your credit...
Ad Disclosure:
Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our
current
advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened.
Advertising impacts how and where offers appear on this site (including, for example, the order in
which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible
and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those
are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
Irrespective of whether an institution or professional is a paid
advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the
institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* The information about the following cards has been independently collected
by WalletHub: Upgrade Cash Rewards Visa® and Upgrade Triple Cash Rewards Visa®.
Want more options?WalletHub makes it easy to compare credit cards across many companies.
