Get a $200 bonus on your Upgrade Card after opening and funding a Rewards Checking account and making 3 debit card transactions within 60 days.*
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.
Upgrade Rewards Checking $200 Offer With The Upgrade Cash Rewards Visa®
- $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.
- 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.
- Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
- Rates & Fees
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 opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging $500 – $25,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. 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 the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.
* All purchases accrue unlimited 1.5% cash back when you pay them back. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Refer to your Cardholder Agreement for more information.
** 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.
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.
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.
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 $50/$150 Bonus For Referrals
- Upgrade Rewards Checking $200 Bonus With Upgrade Bitcoin Rewards Visa®
- Upgrade Users Get $75 Direct Deposit Bonus Offer [Targeted] – Ends 6/23/23