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2 Star Rating
Haven’t updated reporting in 3 months. I paid off this card, a significant reduction in my credit used, and they refused to update my score
Product: Upgrade Credit Cards
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Please find below credit cards offered by Upgrade.
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Updating Results
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR14.99% - 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 credit 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.
Read our editor's full Upgrade Triple Cash Rewards Visa® review.
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
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR14.99% - 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 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 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
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Upgrade Credit Card Reviews
2.9
350 reviews
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1 Star Rating
be aware if you ever want to pay off your upgrade credit card with a balance transfer wire from another bank, they do not allow this. I wish I knew before I got their cards, otherwise, they are a decent CC but not taking wire transfers online to pay them off is a big issue because they are not using their own bank, they use other banks money, in my case they used a farm credit union for my credit card when I put in my account number in my balance transfer, a farm credit union came up when I sent the transfer it was denied! because UPGRADE doesn't allow payoffs with wire transfers! shameful.
Product: Upgrade Cash Rewards Visa®
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5 Star Rating
Easy process to apply and quick notification of qualification. Good opportunity to make some financial changes with our accounts.
Thank you!
Thank you!
Product: Upgrade Credit Cards
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5 Star Rating
I have had the account since I discharged a 13. Gave me the line and a couple of loans. Very easy to deal with and the limits were 8,000 and loans were up to 11,000. The only knock is they are late reporting balances to the CBs. Other than that, it’s been an excellent company to deal with.
Product: Upgrade Cash Rewards Visa®
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1 Star Rating
These things that they call customer service reps are RUDE they treat their customers HORRIBLY that it makes u say FORGET IT DON’T CALL THEM UNLESS U WANT TO BE DOWNGRADED
Product: Upgrade Credit Cards
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1 Star Rating
Upgrade. Is. Not. Fair. Credit union. They. Give. U loans. But. Jam u on credit. Cards. I paid off 10,000 loan. And. Keep low balances on. Both credit card. My personal credit went down a little. Then they lowered my credit limit. Then. Then I got A 20,000 loan they. Lowered. My. Credit limit. On my other credit. Card. I think. This. Is. Not. Good at all. They. I made. A payment on my credit. Card. For. $400. They. Upgrade. Never applied. My. Payment. To my account. But took. From my bank. Then. They say I had a ach payment of $5.00 was. Received. But. They. Had. My $400 they. Reported to my credit reporting agency's and messed. Up my. Credit TERRIBLE. THEY. SAID THEY WOULD CORRECT. IT. BUT. HASNT. YET
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1 Star Rating
Where to even start with this review but how about the beginning. I was immediately approved for $8000 which I used regularly for my small business operations, sounds great correct? Wrong! Within a year after never missing a payment, a "review" of the account was done, bear in mind I NEVER missed a payment, but my limit was reduced and all available value to the account lowered. And lowered. And lowered! Each time affecting my credit score! Please, please I beg you DO NOT GET AN ACCOUNT WITH UPGRADE! It will cost you dearly! Have had to report Upgrade to our AG for their outrageous business practices!
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1 Star Rating
1. They constantly reduce my credit limit (line of credit) to my current balance, even as my credit score is perfectly fine and going up and my payments are all on time, thus negatively impacting my available credit and credit score.
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.
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.
Product: Upgrade Cash Rewards Visa®
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1 Star Rating
Constantly lowering the credit limit despite never having missed a payment or taken out anything past the initial line for an attorney retainer. Hurts your credit instead of helping it. Do not do business with them. Report to your state AG and get them shut fown
Product: Upgrade Credit Cards
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1 Star Rating
Never increases limits and charges interest every day. No 25 day grace like others do. They seem to be mascarading as a company that is a credit card, yet in reality it is not Haiyah fuiyoh
Product: Upgrade Credit Cards
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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?
17
UpvotesReply
Chip Lupo
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?
16
UpvotesReply
Jason Miles
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?
16
UpvotesReply
Rodney Bennett
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?
7
UpvotesReply
Chip Lupo
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?
3
UpvotesReply
@stillwater
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...
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