What's the starting credit limit for the Upgrade Credit Card? This question is about the Upgrade Cash Rewards Visa®

What's the starting credit limit for the Upgrade Credit Card?

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This question is about the Upgrade Cash Rewards Visa®

Jason Miles, Wallethub Credit Card Consultant

@jasonmiles42 • 02/03/22 This answer was first published on 02/03/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The starting credit limit for the Upgrade Credit Card is $500 or more. Everyone who gets approved for this card is guaranteed a credit limit of at least $500, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.

Keep in mind that you can ask to get a credit limit increase by calling the Upgrade customer service number you see on the back of your card, but it’s best not to do that more than once a year. Upgrade will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Upgrade.

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People also ask

What is the Upgrade Credit Card credit score requirement?

The Upgrade card credit score requirement is 640, which means that applicants need fair credit or better for approval. But credit score isn’t the only thing that matters when it comes to getting approved for the Upgrade card. Upgrade will also look at the applicant’s income, recent credit inquiries, other debts and more.… read full answer

While the Upgrade card’s credit score requirement plays a big role in whether you get approved for the card, your credit score is also instrumental in determining the credit line you receive, which could be anywhere from $500 to $50,000. If you only barely qualify for the card with a 640 score, you’re likely to receive a low credit line, and getting the highest credit line will require not only excellent credit but also enrollment in autopay. And your score will also determine what APR you will get, ranging from 8.99% - 29.99%.

Upgrade allows you to check your odds of getting the card, as well as the potential rate and credit score, online. Just click “Get Started” at https://www.upgrade.com/. This pre-qualification process won’t affect your score.

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