$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
If you’re looking for a credit card that provides cash back rewards and gives you more control over your finances, consider the Upgrade Cash Rewards Visa®.
See the end of this page for more offers from Upgrade.
Get More Out of Your Spending: Earn 1.5% Unlimited Cash Back
The Upgrade Cash Rewards Visa® card is designed to make your spending work for you. With every purchase, you can earn unlimited 1.5% cash back (after you’ve paid off the purchase).
Whether you’re making a purchase online, in a store, or anywhere else, you’ll be earning cash back on your spending. Your rewards will be applied to your balance after your next scheduled monthly payment, so you can keep track of your rewards and enjoy the benefits of your spending.
- $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
- No annual fee
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, 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
- State Exclusions: DC, GA, IA, MA, WV, WI
READ MORE: SEE THIS $200 OFFER FROM CHASE BEFORE IT ENDS
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Credit Lines feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging from $500 – $25,000 based on creditworthiness. The lowest rates require Autopay and the majority of line amounts will be $15,000 or under. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
Your Upgrade Card terms are not guaranteed and are subject to our verification and review process and are not final. You may need to provide additional documents so we can verify your income and identity. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. For more details on applicable terms, fees, conditions, and requirements, please refer to the Upgrade Card Personal Credit Line Agreement and Cardholder Agreement. Personal Credit Lines are issued by Upgrade’s bank partners: https://www.upgrade.com/bank-partners/. Upgrade Visa® Cards are issued by Upgrade’s bank partners, pursuant to a license from Visa USA Inc. Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.
*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.
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TRENDING DEAL:
▶ GET UP TO 4.31% APY WITH THE UFB PORTFOLIO SAVINGS ACCOUNT
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Credit Card Flexibility with Personal Loan Predictability
The Upgrade Cash Rewards Visa® combines the best of both worlds, offering you the flexibility of a credit card and the predictability of a personal loan. With this card, you’ll have the ability to make large purchases and budget for predictable payments.
You won’t have to worry about annual fees, activation fees, or foreign transaction fees. You’ll also be able to enjoy contactless technology and a virtual card while you wait for your physical card to arrive in the mail.
READ MORE: WELCOME OFFERS FROM CHASE AND BMO.
Final Thoughts
The Upgrade Cash Rewards Visa® is a great choice for those who want to get more out of their spending. With unlimited 1.5% cash back and a combination of a credit card and personal loan, you’ll be able to take control of your finances and enjoy a smarter way to manage your money.
Just be aware of the limitations and restrictions, and make sure to refer to your Cardholder Agreement for more information.
More from Upgrade:
- Upgrade Rewards Checking $200 Bonus With Upgrade Triple Cash Rewards Visa®
- Upgrade Rewards Checking $200 Bonus With Upgrade Bitcoin Rewards Visa®
- Upgrade Rewards Checking $50/$200 Bonus For Referrals
- Upgrade Users Get $75 Direct Deposit Bonus Offer [Targeted] – Ends 6/23/23
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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