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Upgrade Cash Rewards Visa® review: Turn credit card balances into installment loans

A solid choice for anyone who wants to learn some positive credit behaviors, but people who value flexibility should look elsewhere.

 /  13 min
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Snapshot

4.2

Bankrate rating
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Rating: 4.2 stars out of 5

Bottom line

This low-interest card is one of the more cost-effective choices among credit cards for fair credit. But people who want flexibility and a shot at even more competitive rewards rates should look elsewhere.

Best for low interest and fees

Recommended credit score:(580 - 740)
Apply nowLock

on Upgrade's secure site

See Rates & Fees

Purchase intro APR

N/A

Regular APR

14.99% - 29.99% APR

Intro offer

$200

Rewards rate

1.5%

4.2
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Bankrate Score

Why you'll like this: Its unlimited flat-rate cash back on all purchases provides straightforward and consistent rewards for your spending.

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Upgrade Cash Rewards Visa® overview

The Upgrade Cash Rewards Visa® is not your typical credit card. It combines the benefits of a credit card with a personal loan, making it a solid option if you want to finance a large purchase but might not qualify for a credit card with a zero percent intro APR. With this card, you'll have a set time period with equal installments and a fixed APR to pay off any unpaid balances.

Though the card doesn’t have zero percent intro APR offers, its lower-than-average interest rate could make it a more cost-conscious financing tool. 

  • Credit Card Cash Back Icon

    Rewards

    • Earn 1.5 percent unlimited cash back on card purchases every time you make a payment

    Expert Appraisal: Good
    See our expert analysis

  • Rewards Icon

    Welcome offer

    •  $200 bonus after opening a Rewards Checking account and making three debit card transactions*

    Expert Appraisal: Typical
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: None
    • Late payment fee: None
    • Foreign transaction fee: 3 percent
    • Ongoing variable APR: 14.99 percent to 29.99 percent

    Expert Appraisal: Good
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Up to 10 percent extra cash back with Upgrade Shopping powered by Dosh® (activation required)

    Expert Appraisal: Unimpressive
    See our expert analysis

Upgrade Visa pros and cons

Pros

  • Checkmark Icon

    Cardholders with excellent credit get a chance to have a lower-than-average APR and high credit limit.

  • Checkmark Icon

    No prepayment fees, so you can pay your balance off early without penalty.

  • Checkmark Icon

    Cash back rewards automatically redeem for statement credits.

Cons

  • Depending on your credit history, your APR may not be any better than the rate you’d get on a traditional credit card.

  • This card has limited redemption options — you won't be able to stock up on rewards.

  • No intro APR offers means you won’t have a save on interest if you have to carry a balance.

How the Upgrade Visa works

The Upgrade Cash Rewards Visa works differently than a traditional credit card. It functions as both a credit card and a personal loan. Here’s how:

  • Upon approval, your issuer extends you a line of credit, an APR and installment terms of 12 to 60 months, based on your credit score.
  • You can use the card either for purchases or to transfer funds directly into your bank account similar to a cash advance.
  • Interest starts accruing immediately at the time of purchase or transfer. 
  • At the end of the month, the issuer creates an installment plan based on your current monthly balance.
  • Similar to a personal loan, the installment plan means you will have fixed and equal monthly payments.
  • As you pay down the balance each month, you earn cash back rewards of 1.5 percent, which goes directly toward your balance the next month — further reducing the amount you owe.
  • You’ll make the same amount of payments each month until the balance is paid in full.

While you won’t be able to avoid all interest charges, you’ll have a clear payoff schedule to follow. This may be more cost-effective than paying only the minimum due on another credit card and racking up expensive interest charges.

Why you might want the Upgrade Visa

This card is terrific for people who want to practice positive habits and avoid increasing debt. It's low on fees with the potential for a low APR. And your cash rewards can help you pay down your balance.

Rewards: Encourages payment, not spending

You'll earn a decent 1.5 percent cash back on all eligible purchases with this card. However, unlike standard cash back cards, you only earn cash back rewards when you complete a payment. This type of rewards structure could incentivize you to make your payments on time. Also, the issuer applies your cash back rewards directly to your credit card balance, a helpful feature if you are trying to manage debt. 

Rates and fees: Lower fees may mean peace of mind

When it comes to fees, the Upgrade card is a clear winner. You won't have an annual fee, prepayment fee or late payment fee. With no prepayment fee, you can pay your balance before the due date and save on interest.

Perhaps this card's most attractive feature is the potentially low APR. Depending on your creditworthiness, you could qualify for an APR that’s not only lower than the national average for credit card interest rates but also competes with some of the best low-interest cards. Keep in mind that you must enroll in autopay to be potentially eligible for the lowest rates. You’re not guaranteed a low APR with the Upgrade card, so if you have a limited credit history you may want to work on your credit score before applying in order to get better terms.

Why you might want a different fair credit cash back card

This no-annual-fee card is great for people with fair credit looking for a fixed structure and low fees, but you won't find any perks that add to the card's value. Plus, the welcome offer could be more competitive.

Perks: Little to no added benefits

The Upgrade Visa is a bare-bones card for fair credit. It offers up to 10 percent cash back as a statement credit at participating merchants through Upgrade Shopping powered through Dosh (activation required). But more traditional cards for fair credit have practical advantages like free credit reports or automatic reviews for a credit line increase.

Welcome offer: More attractive bonuses available elsewhere

While this card offers a signup bonus worth $200, it is not tied to a spending requirement. To earn the signup bonus, you must open a Rewards Checking account through Upgrade and make three qualifying debit card transactions within 60 days. 

Welcome offers on similar cards are worth potentially much more. For instance, the Discover it® Chrome card will match all your cash back rewards earned at the end of your first year. 

Staff experience: Here’s what our experts say

Based on her experience with both flat-rate rewards cards and credit-building cards, Bankrate editor India Davis thinks the Upgrade Cash Rewards Visa stands out as a solid starter option thanks to its relatively high cash back rate, potentially low APR and payoff-based rewards program.

I’ve always appreciated the simplicity of a flat-rate rewards card, going as far back as my first card, the Capital One VentureOne Rewards Credit Card, which helped me pay off a plane ticket for a study abroad trip in college. 

This card could have been an even better option if it was around back then. It carries both a higher-than-average cash back rate and an impressive low-end APR, which could have helped me save even more. I also like that you earn rewards as you pay off the card, which would have helped reinforce good spending habits as I was first starting out.

— India Davis, Editor, Credit Cards

How the Upgrade card compares to other fair credit cash back cards

While the Upgrade card could be a useful tool for someone who wants to pay off a large purchase over time, it might be wise to consider other cards with 0 percent APR offers as well. Doing so could give you the option to pay down your balance and avoid costly interest charges temporarily.

Image of Upgrade Cash Rewards Visa®
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Upgrade's secure site

Annual fee

$0

Intro offer

$200
Info Icon

Rewards rate

1.5%
Info Icon

Recommended Credit Score

Fair to Good (580 – 740)
Info Icon
Image of Discover it® Chrome
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Discover's secure site

Annual fee

$0

Intro offer

Cashback Match
Info Icon

Rewards rate

1% - 2%
Info Icon

Recommended Credit Score

Good to Excellent (670 – 850)
Info Icon
Image of Capital One QuicksilverOne Cash Rewards Credit Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Capital One's secure site

Annual fee

$39

Intro offer

N/A

Rewards rate

1.5% - 5%
Info Icon

Recommended Credit Score

Fair to Good (580 – 740)
Info Icon

Best cards to pair with the Upgrade Visa

Since the Upgrade card offers flat-rate rewards, it may be worthwhile to pair it with a credit card that earns a higher cash back rate on bonus categories. Most of these cards recommend good to excellent credit, so they’re worth considering once your credit has improved. But if you can pair your Upgrade Visa, you can chip away at a large expense while also earning rewards on everyday purchases. 

Who is the Upgrade Visa right for?

This card is ideal for people with fair credit who need to budget for a large purchase or credit builders who prefer a structured repayment plan to help them on their credit journey.

Bankrate’s Take — Is the Upgrade card worth it?

The Upgrade card could offer a solid financing alternative for cardholders who struggle with managing credit card balances. By putting your balance into an installment plan, the card could help you minimize interest charges and keep your debt repayment efforts on track while earning cash back on all purchases.

But how much you’ll save — and whether you’ll save at all — comes down to the card’s APR. If you can’t qualify for one of the card’s lower-end APRs, it won’t be nearly as compelling as a traditional credit card that comes with a zero percent intro APR on purchases and helps you avoid interest completely for 12 months or more. Luckily, you can see your credit line and APR before you move forward with your Upgrade card application.

*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.

**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.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

How we rated this card

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150+
cards rated
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50+
rewards programs valued
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1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Frequently asked questions

What cardholders think

Image of Upgrade Cash Rewards Visa®

Upgrade Cash Rewards Visa®

4.1 Star Icon
40 ratings
Info Icon
Score breakdown
5 stars
43%
4 stars
30%
3 stars
23%
2 stars
3%
1 star
3%
Score by category
Overall 4.1 / 5
Extra perks 3.7 / 5
Meets financial needs 4.0 / 5
Privacy and security 4.3 / 5
Customer service 3.9 / 5
Online portal or mobile app 4.3 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Upgrade Cash Rewards Visa® reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
What made you choose this card?
The reward options
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I earned enough cash back that i was able to take a wonderful well deserved weekend road trip
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is it is my main debit card
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes I use it all the time
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
The card is accepted everywhere and the rewards earned are fair
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Recommend it because of a excellent credit increase
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
You get good rewards
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
no it is not and because i just dont use it like that
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It seemed like a good fit fit me.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Because it helps the most
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
This company makes my financial goals achievable.
Score by category
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yeah, it has great rewards and cash back money is granted!
Score by category
Extra perks 5 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I think it’s a great business.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The rewards were appealing.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Very good cash back and rewards
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good option
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It part of my everyday life because it extremely potential
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Variety of options mean its aligned to my needs.
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes bc all my money is on it
Score by category
Extra perks 2 / 5
Meets financial needs 2 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, used on almost every purchase.
Score by category
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I think they have the coolest app interface and the rewards are simple to redeem and can use my card anywhere, best interest rates around
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
This is not part of my everyday life.
Score by category
Extra perks 4 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend. Easy to use, accepted pretty much anywhere.
Score by category
Extra perks 3 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Easy reward program thats simple to use
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i dont have any reason to not recommend this card. i have no issues with it
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Interest is a bit high but overalll alright as far as credit card go
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
For shopping and splurges personal
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
i like the international
Score by category
Extra perks 5 / 5
Meets financial needs 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
no yearly fee, good interest rates, you can use it anywhere
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I often have trouble using the app
Score by category
Extra perks 3 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I enjoy the cash back rewards. It puts extra money in my pocket
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Had Upgrade checking account
Score by category
Extra perks 2 / 5
Meets financial needs 2 / 5
Online portal or mobile app 5 / 5
Customer service 2 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I wouldn't really recommend this card. I've had a few issues where $5-10 has just magically disappeared in thin air and even customer support can't tell me why or where it went and this has happened more then three different times.
Score by category
Extra perks 2 / 5
Meets financial needs 3 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
helps me get extra so i shop for extra fun stuff
Score by category
Extra perks 3 / 5
Meets financial needs 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Good credit limit, but horrible customer service
Score by category
Extra perks 2 / 5
Meets financial needs 4 / 5
Online portal or mobile app 2 / 5
Customer service 2 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
For special occasions and paid high prices
Score by category
Extra perks 4 / 5
Meets financial needs 3 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I have had good fraud protection. Wells Fargo catches most things and if they don't catch it, they accept when I point out an improper charge.
Score by category
Extra perks 2 / 5
Meets financial needs 5 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card because of the cash rewards which are easy to get. I am just not a fan of the interest rate with the very good credit that I possess
Score by category
Extra perks 4 / 5
Meets financial needs 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I don’t really know, probably too high of rates to pay back.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I wouldn't recommend this card to a friend because money keeps disappearing out of my upgrade account.
Score by category
Extra perks 1 / 5
Meets financial needs 1 / 5
Online portal or mobile app 1 / 5
Customer service 1 / 5
Privacy and security 1 / 5

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.