Upgrade

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

1. Go to the Upgrade Triple Cash Rewards Visa® credit card login page.
2. Fill out the “Email Address” and “Password” fields with your credentials.
3. 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.

Yes, Upgrade personal loans are legit because Upgrade is registered to do business in the states it services, which is a legal requirement to be a legitimate lender. Another reason why Upgrade personal loans are legit is that the lender has a rating of A from the Better Business Bureau. The company also is accredited with the Bureau.

Why Upgrade Personal Loans Are Legit

• Upgrade is registered as a business in the states it services.
• Upgrade has a Better Business Bureau rating of A.
• Upgrade has been around since 2016.
• Upgrade has an average user rating of 3.5/5 on WalletHub.
• Upgrade personal loans have a rating of 3.6/5 from WalletHub's editors.
• Upgrade has a secure website, which you can tell by the fact that the URL has "https" in front of it.

While Upgrade personal loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Upgrade personal loans against your other options before submitting an application.

Upgrade may approve you within 1 to 4 business days, but it can take longer if the company needs extra documentation to verify your information. After your application is approved and you accept the offer, it may take a few more days to receive your funds, which Upgrade will send by electronic bank transfer.

Key Things to Know About Upgrade Loan Approval

• Minimum Credit Score: 620, according to multiple third-party sources
• Approval Timeline: 1 - 4 business days (longer if extra verification needed)
• Funding Timeline: 2 - 6 business days
• Fund Delivery Method: Electronic bank transfer
• Loan Amount: $1,000 - $50,000
• APR: 8.49% - 35.97%
• Repayment Period: 24-84 months
• Origination Fee: 1.85% - 9.99%

If you think an Upgrade loan is right for you, check out the full Upgrade personal loan review on WalletHub. You can also estimate your potential rates with our free pre-qualification tool.

The Upgrade card credit score requirement is 640, which means that applicants need fair credit or better for approval. But credit score isn't the only thing that matters when it comes to getting approved for the Upgrade card. Upgrade will also look at the applicant's income, recent credit inquiries, other debts and more.

While the Upgrade card's credit score requirement plays a big role in whether you get approved for the card, your credit score is also instrumental in determining the credit line you receive, which could be anywhere from $500 to $25,000. If you only barely qualify for the card with a 640 score, you're likely to receive a low credit line, and getting the highest credit line will require not only excellent credit but also enrollment in autopay. And your score will also determine what APR you will get, ranging from 14.99% - 29.99%.

Upgrade allows you to check your odds of getting the card, as well as the potential rate and credit score, online. Just click “Get Started” at https://www.upgrade.com/. This pre-qualification process won't affect your score.

Yes, Upgrade will perform a hard pull when you apply for a loan, which may impact your credit score. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you'll be able to get back on track with a few months of on-time payments.

Upgrade's hard inquiry will stay on your credit report for two years, but it won't affect your credit after one year, and the impact may subside before then. To see how your individual credit score may be affected by a hard inquiry, you can use the credit score simulator on WalletHub.

It's worth noting that some people may be uncertain about whether Upgrade does a hard inquiry because there's only a soft inquiry during the pre-qualification process. Soft inquiries do not impact your credit score. But that's just the first step, and a hard inquiry is required when you officially apply.

If not having a hard inquiry is important to you, lenders that don't do a hard pull at all include Opploans, Integra Credit and NetCredit.