Upgrade

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 and does a soft pull on your credit, which will have no impact on your credit score.

Here's how you can get Upgrade Credit Card pre-approval:

1. Visit the Upgrade webpage and click on the “Get Started” button you see below the Upgrade Credit Card.
2. From there, enter your name, address, date of birth and annual income.
3. Then, create an Upgrade online account by entering your email and setting up a password.
4. Finally, read the terms and conditions and check the box indicating that you agree, then click “Apply Now.” This will start the pre-approval / pre-qualification process.

 Following these steps, will help Upgrade gauge whether you are a good candidate for the card or not. If you seem to qualify, Upgrade will also tell you what APR and credit line you are likely to receive. The Upgrade Card APR range is 8.99% - 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.  

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.

You cannot get an Upgrade Card cash advance, as the card cannot be used to withdraw cash at an ATM or bank branch. However, there is still a way to get cash from the card. Upgrade allows you to use the card to put cash directly into your bank account by using your online Upgrade account or the Upgrade app. This isn't a traditional cash advance, and it's not useful for emergency situations because it takes one to four business days for the money to be delivered to your bank account.

The main benefit of getting cash sent to your bank account with the Upgrade Card is that there are no fees to do so. In addition, the APR is no different from the APR for normal purchases. Normally, getting a cash advance from a credit card will incur a steep fee and will have an APR higher than the regular APR. With the Upgrade card, at the end of each month, the balance of any cash you sent to your bank account will be added to the balance of any purchases you made. That total will be divided into equal monthly installments for you to pay back over 12 to 60 months.

The Upgrade Visa® Card with Cash Rewards interest rate is 8.99% - 29.99%, with the actual rate depending on factors such as your income, credit history and existing debt. This Upgrade Credit Card interest rate is variable, meaning it can change based on certain economic conditions.

All Upgrade Credit Card interest rates will be listed on your statement and on your online account summary.

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 always be possible. If you can't pay off your card each month, try to at least keep your credit utilization rate under 30% across your credit card accounts.