
Please find below credit cards offered by Upgrade.
Compare Upgrade Credit Cards
Not Offered
Not Offered
14.99% - 29.99%
annual fee
$0
rewards rate
1 - 3% Cash Back
Fair
Pros
- $0 annual fee
- 1 - 3% cash back
- $500+ credit limit
Cons
- APR up to 29.99%
- Rewards may take longer to get
- No grace period
Rewards Details
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.
Additional Info
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Not Offered
Not Offered
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
Fair
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 Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.
Additional Info
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Upgrade Credit Card Reviews
What's Your Rating?
Thank you!
2. You cannot rely on the date specified for autopay with these clowns. It might happen days later (and I'm not talking about weekends and holidays).
Avoid.
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 the issuer of this card.
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How can I log in to my Upgrade Triple Cash Rewards Visa account online?
To log in to your Upgrade Triple Cash Rewards Visa® card account, go to the login page on the Upgrade website or mobile app and enter your username and password in the appropriate fields. Then, click “Sign In To Your Account” to access your online account.
How to Log in to a Upgrade Triple Cash Rewards Visa® Credit Card Account
- Go to the Upgrade Triple Cash Rewards Visa® credit card login page.
- Fill out the “Email Address” and “Password” fields with your credentials.
- Click...
What's the starting credit limit for the Upgrade Credit Card?
The starting credit limit for the Upgrade Credit Card is $500, at a minimum. So, everyone who gets approved for this card is guaranteed a credit limit of at least $500. Particularly creditworthy applicants could get limits a lot higher than that, however. 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 Credit Card customer service number...
How do I get pre-approved for the Upgrade Card?
You can get pre-approved for the Upgrade Credit Card by applying for this card online. The online application actually serves as checking for pre-qualification, which results only in a soft pull of your credit. Therefore, there will be no impact on your credit score.
Here's how you can get Upgrade Credit Card pre-approval:
- Visit the Upgrade Credit Card webpage and click on the “Get Started” button.
- Enter your name, address, date of birth, and annual income.
- Create...
What is the Upgrade Credit Card payment address?
The Upgrade Cash Rewards Visa® payment address is:
Upgrade, Inc.
Lbx#452210
P.O. Box 52210
Phoenix, AZ 85072-2210
When paying Upgrade Credit Card bills by mail, be sure to submit either a check or money order for the payment amount. Upgrade does not accept cash.
Tips For Mailing Upgrade Credit Card Payments
- Include your credit card number on your payment to avoid any processing delays.
- Allow enough time for Upgrade to receive your payment on or before...
Does the Upgrade Card do a hard pull?
Yes, the Upgrade Card will do a hard pull and you'll need a credit score of at least 640 to get it.
You can prequalify for the Upgrade Card and they will inform you of your credit line and rate, but you will need to submit an actual application if you want the card, which will result in a hard pull.
A hard pull usually causes an applicant's credit score to drop by...
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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.