$200 bonus after opening a Rewards Checking 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 account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
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
$200 bonus after opening a Rewards Checking 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 account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
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
Do NOT get this card…they take 7-10 days on average to show payments made even if you have it on Auto pay! They tie up your funds for that long so your bank account releases it but they take 7-10 days to post! I spoke to the Supervisor “Jaelly” and she was no help at all. Couldn’t escalate the matter for me and this happens quite often. This is 2023 and it shouldn’t take 7-10 days to post a CC payment. No excuse! This company is not run efficiently. Think it’s a scam for them to accumulate interest. If I could give them no stars…I would!
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
jujibee @jujibee
Report Abuse
1 Star Rating
Got a Credit card from upgrade in 7/24/22 and it was easy to qualify for. A few complaints. When I make a payment it can sometimes take more than a week after withdrawal from my bank to post to my upgrade account balance which makes me feel like they continue to add that high interest rate over the week before the amount is applied. I think it can and should be applied immediately just as it is when I use the card, that doesn't take a week to be applied to the balance owed. I paid a chuck off on 1/24/23 and they lowered my Credit limit to that amount. On 3/23/23, I paid my loan down $3000. Again, another limit decrease to exactly what I owe. I have always paid and never been late. Not sure why the keep doing reviews and reducing credit line. All my other cards aren't like this. Very disappointing. They should focus on customer service.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
Lisa Hercog @lisahercog
I have the same experience with the ! They tried to blame it on my bank but my bank released the funds and then I was down spending money cuz it takes them 7-10 days on AVERAGE to finally post the payment! Like you said…I think it’s a scam to charge you interest that whole time!
show more
show less
Comment
0
0
jerremy1007 @jerremy1007
Report Abuse
1 Star Rating
They will suspend your card at any given time for absolutely no reason. I do not recommend them to anyone. They are not worth the time or energy.
show more
show less
Product: Upgrade Credit Cards
Comment
1
0
zeuz_el_mortal_94 @zeuz_el_mortal_94
Report Abuse
1 Star Rating
I din’t know how ob their site they have a above 4 star. And i would leave them a review on their site but i don’t know why i can’t. They never want to help you on any case. My experience with this account sucks. I had a credit limit of 6000 for a year and maybe more. Wen i start using it they put that limit to 1000, not only doing this but affecting my use percentage of my cart instantly and so my credit score more. Sou everyone that are going to get a credit card with upgrade its not reliable at all. Don make plans with it, or even better don’t get it. I had a cash back green card. Don’t bother to talk with them they don’t care. This is not a card for business or anything because I can’t count on it wen needed.
show more
show less
Product: Upgrade Credit Cards
Comment
0
0
Joel @webbestar
Report Abuse
1 Star Rating
The customer service is horrible was in the hospital for long Covid. They wouldn’t work with me on payments. They wouldn’t answer my emails. They would double email me they would consistently do hard credit checks on me without my authorization and then they would send me a letter saying I didn’t qualify when I never applied for anything stay away they are not what you think they are
I think something is up with Upgrade, they lowered my credit line even though I have excellent credit, when I called for an explanation, they wouldn't provide one!
show more
show less
Product: Upgrade Credit Cards
Comment
1
0
nickscottmm @nickscottmm
Report Abuse
1 Star Rating
I truly hope Upgrade burns to the ground. All they do is lie and manipulate. Every time I charge my card for anything I get an email saying they lowered my limit until they reach my current balance, leaving it at $0 available every single time.
show more
show less
Product: Upgrade Credit Cards
Comment
1
0
jenniferdixon00 @jenniferdixon00
Report Abuse
1 Star Rating
We paid a deposit for window replacement which was never done, asked for a dispute and they refused stating we didn’t provide sufficient evidence that the work wasn’t done. They gave a myriad of excuses why they couldn’t issue a credit and now want us to pay $3k for a job that was never done, meaning we never received any goods or services for that price. STAY.FAR.AWAY!!!!!!!
Blocked my card due to credit score dropping a little. The reason it dropped was because I used the card, lol. Punished for using their product!! Customer service also was not helpful when trying to confirm reason and just said "sorry it is part of process".
show more
show less
Product: Upgrade Credit Cards
Comment
1
0
metro1116 @metro1116
Report Abuse
1 Star Rating
Deceptive practices for sure! I did NOT miss a payment the entire time two years of having this card. I had another account that took out more money than I arranged that thew my accounts off but NOT the UPgrade account (I used a different checking). Upgrade learned of this through a credit inquiry and suspended my card indefinitely!! WOW.....I was trying to purchase ink for my "work at home" printer for my job and this is a sure setback made by them....Thanks, this is a great way for supporting your loyal customer......
show more
show less
Product: Upgrade Credit Cards
Comment
1
1
Review Upgrade Credit Cards
Upgrade Credit Card Q&A
Get answers to your questions about Upgrade Credit Cards below. For more general questions, visit our Answers section.
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 “Sign In To Your Account” to access your account.
After you have logged in, you'll be able to manage your Upgrade Triple Cash Rewards Visa® card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot password?” on the Upgrade login page. Then, just follow the prompts to reset or retrieve your username or password.
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 you see on the back of your card. However, it's best not to do that more than once a year. The issuer 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 this 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:
Enter your name, address, date of birth, and annual income.
Create an online account by entering your email and setting up a password.
Read the terms and conditions and check the box indicating that you agree.
Click “Apply Now”. This will start the pre-approval / pre-qualification process.
Following these steps will help the issuer gauge whether you are a good candidate for the card or not. If you seem to qualify, the issuer will also tell you what APR and credit line you are likely to receive. The Upgrade Credit Card APR range is 14.99% - 29.99%, and the credit line is at least $500. Depending on your credit standing, your credit limit could be much higher than that.
If you are pre-approved for the Upgrade Credit Card and you're still interested based on your estimated APR and credit line, you will then have the opportunity to actually apply. Keep in mind that if you decide to accept the offer, Upgrade will do a hard pull of your credit, which will lead to a small, temporary drop in your credit score.
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 the due date, or it will be considered late.
Credit card payments by mail take the longest to process of all the available payment methods. Alternatively, you can submit a payment from your online account, through the Upgrade mobile app, or by calling customer service at 1-844-899-9931. Upgrade also allows in-person payments at local Upgrade branches.
The starting credit limit for the Upgrade Triple Cash Rewards Visa® is $500 or more; everyone who gets approved for this card is guaranteed this limit. However, depending on your credit standing, you could get a much higher credit limit. 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.
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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
