Compare Upgrade Credit Cards
Please find below credit cards offered by Upgrade.

Not Offered
Not Offered
14.99% - 29.99%
annual fee
$0
rewards rate
1 - 3% Cash Back
Fair Credit
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 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
- Enjoy peace of mind with $0 Fraud liability
- More Details & Reviews About Upgrade Triple Cash Rewards Visa®

Not Offered
Not Offered
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
Fair Credit
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 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
- Enjoy peace of mind with $0 Fraud liability
- More Details & Reviews About Upgrade Cash Rewards Visa®
Upgrade Credit Card Reviews
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Upgrade Credit Card Q&A
Get answers to your questions about Upgrade Credit Cards below. For more general questions, visit our Answers section.
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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 “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.
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 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.
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 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.
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 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.
What's the starting credit limit for the Upgrade Triple Cash Rewards Visa card?
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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.