Credit Cards»Upgrade Cash Rewards Elite Visa®
Upgrade Cash Rewards Elite Visa®See Rates & Fees
Partner Offer

Upgrade Cash Rewards Elite Visa®

Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Upgrade's secure site
Intro Bonus
$200$200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*
Reward Rates
2.2%Earn 2.2% unlimited cash back on card purchases every time you make a payment
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
14.99% - 29.99%
Annual Fee
$0

Highlights

  • $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*
  • New Feature: Pay your balance in full early each month and avoid interest with EarlyPay.
  • Earn 2.2% unlimited cash back on card purchases every time you make a payment
  • See if you qualify in seconds with no impact to your credit score
  • $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • Access to a virtual card, so you can start earning while you wait for your card to arrive in the mail.
  • Contactless payments with Apple Pay® and Google Pay™
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.

Features

  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • Extended Warranty Program
    Extended Warranty Program
  • No Annual Fee
    No Annual Fee
  • Price Protection
    Price Protection
  • Roadside Assistance
    Roadside Assistance
  • Travel Assistance
    Travel Assistance
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.3 out of 5

Our take: A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.