Upgrade Cash Rewards Elite Visa®
Upgrade Cash Rewards Elite Visa®
Apply now at Upgrade's secure site
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

Credit Recommended (670-850)

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 after opening a Rewards Checking Plus account and making 3 debit card transactions*
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 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.

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. See Rates and Fees

Read full review

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.