Upgrade Credit Cards

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Please find below credit cards offered by Upgrade.

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Upgrade Triple Cash Rewards Visa®

3.43 out of 5 rating273 Reviews

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Rates & Fees

3.43 out of 5 rating273 Reviews

4.5WalletHub Rating

WalletHub Rating

4.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.3

User Reviews

3.4

Market Comparison

4.8

fees: 5.0

rewards: 5.0

cost: 4.7

Other Features: 5.0

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

rewards rate

1 - 3% Cash Back

minimum credit

Fair

WalletHub's Take: The Upgrade Triple Cash Rewards Visa is a good 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.

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 Preferred account and making 3 debit card transactions*.
3% unlimited cash back on every purchase in Home, Health, and Auto categories
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred 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 Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

Additional Info

No annual fee
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
No touch payments with contactless technology built in
See if you qualify in seconds with no impact to your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Rates and Terms

Pros, Cons, & Details

Compare

Upgrade Cash Rewards Visa®

3.28 out of 5 rating246 Reviews

Apply Now

Rates & Fees

3.28 out of 5 rating246 Reviews

4.8WalletHub Rating

WalletHub Rating

4.8

Editor’s Rating

4.2

User Reviews

3.2

Market Comparison

5.0

fees: 5.0

rewards: 5.0

cost: 5.0

Other Features: 5.0

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

rewards rate

1.5% Cash Back

minimum credit

Fair

WalletHub's Take: The Upgrade Cash Rewards 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 Preferred account and making 3 debit card transactions*.
1.5% unlimited cash back on every purchase
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred 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 Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

Additional Info

No annual fee
See if you qualify in seconds with no impact to your credit score
Combine the flexibility of a card with the predictability of a personal loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Rates and Terms

Pros, Cons, & Details

Compare

Upgrade Credit Card Reviews

3.1

What's Your Rating?

johnsantorelliisbusy
September 18, 2025 • @johnsantorelliisbusy

This company is a joke. They send you a new card, but then they tell you your card is suspended because you took part in a hardship program months ago and paid everything successfully.

Product: Upgrade Credit Cards

Comment

Israel
September 15, 2025 • @izzyharley

Awesome to deal with; great account to have. A lot better than others I've dealt with. Would never get rid of it. Their staff and customer service are above and beyond. 💯 Veteran-approved; give a thumbs up 👍👍👍👍👍

Product: Upgrade Credit Cards

Comment

Jay Rector
August 28, 2025 • @jrector67

Be careful. If you use your credit, they will lower your credit limit. Then, when you pay it off, they scam you out of more interest. And their timelines for payments are unreasonable. They took 14 days to process my payoff check and then charged me extra. Don't use them unless you're desperate.

Product: Upgrade Credit Cards

Comment

Valeria Ray
August 24, 2025 • @vray183

They have horrible terms. Very glad they are paid off. Will not recommend this card. Their customer service is not that great either. This card was useless. Rewards were not great either. Paid on time, but interest kept my balance high. Don't get this card.

Product: Upgrade Credit Cards

Comment

deepocean777
August 5, 2025 • @deepocean777

There are too many fees and interest charges. When you borrow $3000, they charge $3800, which only gives you $2800. Not to mention the daily interest; every time I take a screenshot of the money I owe, it increases. I had to take out a different loan to pay off the first loan, which turned out to be a better deal with fixed payments for 20 months. In 3 months, I paid it down from $3800 to $2200. I wouldn't recommend this company. They are not trustworthy. You're better off working with your creditors to lower the amount you owe, which will also lower your credit score, or you can take out a better loan. No more credit card debt for me. I was careful with the $2800; it's too much. However, life is getting more expensive every day. Steer clear of these scammers; no wonder it's easy to get a loan with them.

Product: Upgrade Credit Cards

Comment

Michele van Heerdt
July 29, 2025 • @mvanheerdt

Bad customer service. They reduced my limit, they stated, because of some delinquency on my report. If anything, I paid my account within 2 weeks late, nothing over 30 days, etc. I applied for a loan unrelated to Upgrade on Credit Karma, and they (Upgrade) sent a response stating they can't quote me (approve essentially). I didn't request a loan with them. I called and spoke with a supervisor and told him this; I said I wouldn't ask for a loan from them and that I will be closing and paying off this card very soon. He basically said to call Credit Karma. He knew I was not satisfied. I ended the call. Then within 30 minutes, I get an email stating they show a change on my credit report and that it is no longer available for any transactions. Interesting that I just spoke with the supervisor. Very unprofessional how this was suddenly determined. Will not recommend to anyone.

Product: Upgrade Credit Cards

Comment

IVETTE WEST
July 14, 2025 • @ivette_west016

I needed help paying off just a few credit cards, and Upgrade helped me to reach a goal I was far from reaching. Thank you so much, Upgrade, for trusting me with a credit card consolidation loan!

Product: Upgrade Credit Cards

Comment

Jennifer H
June 28, 2025 • @jennifer4088

Like others on this page, they reduced my credit limit from $8,000 to $1,000 without warning, damaging my credit score. The reason given was credit limit increases on other cards. What kind of sense does this make?! Avoid!

Product: Upgrade Cash Rewards Visa®

Comment

Grettel Mi
June 11, 2025 • @gretm

Horrible financial company. I paid off my card two months ago, and they haven't reported that I owe $0. It got me very upset; don't believe them.

Product: Upgrade Credit Cards

Comment

Gaither Williams
May 21, 2025 • @gbyrd13

My disappointment with Upgrade is that I used the Upgrade Card to pay for my hotel in Kansas City, KS. I paid the hotel bill of $394.00; Upgrade put a $922.00 hold on my card for more than 20 days! This caused a 19-point downgrade on my excellent credit rating. Why would a credit card company do something like this? I have spoken with them twice. They say it is the hotel's fault; the hotel said they have nothing to do with it. What is a consumer to do about this type of situation? Upgrade should not treat its customers this way.

Product: Upgrade Credit Cards

Comment

Review Upgrade Credit Cards

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 this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

How can I log in to my Upgrade Triple Cash Rewards Visa account online?

Chip Lupo, Credit Card Writer

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, follow the prompts to reset or retrieve your username or password.

Upvotes

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

Jason Miles, Wallethub Credit Card Consultant

The Upgrade Cash Rewards Card credit limit is $500. Everyone who gets approved for Upgrade Cash Rewards Card is guaranteed a credit limit of at least $500, and the most creditworthy applicants could get much higher limits. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

The Upgrade Cash Rewards Card credit limit that you receive upon approval isn't necessarily permanent. You can ask to get a credit limit increase by calling the Upgrade customer service number on the...

Upvotes

What is the Upgrade Visa Card with Cash Rewards credit score requirement?

Mark Towers, WalletHub Credit Card Analyst

The Upgrade Cash Rewards Visa® credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Upgrade Cash Rewards Card.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Upgrade Cash Rewards Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and...

Upvotes

Does the Upgrade Credit Card build credit?

@tom_szekely

Your Upgrade Card can improve your credit score, but that depends on how much you spend on your card to how you handle payments.

It reports to the three main consumer credit bureaus on a monthly basis, so making all your credit card payments on time, every month, will definitely help your credit score.

While it's ideal to pay off your credit card balance each month to avoid interest charges, that might not...

View more answers

Upvotes

How do I get pre-approved for the Upgrade Card?

Rodney Bennett, WalletHub Analyst

You can get pre-approved for the Upgrade Cash Rewards 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 Cash Rewards Card pre-approval:

Visit the Upgrade Cash Rewards Card webpage and click on the “Get Started” button.
Enter your name, address, date of birth, and annual income.
Create...

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Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

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.