Get ready to turbocharge your everyday spending
Upgrade Cash Rewards Card, a game-changer that blends the flexibility of a credit card with the predictability of a personal loan! No gimmicks, no annual fees, just seamless, effortless rewards with every purchase. Whether you’re filling up the tank, shopping for groceries, or tackling monthly bills, this card is built to reward you, effortlessly.
What’s more? The Upgrade Cash Rewards Card transforms your balance into structured monthly payments, helping you manage your money smarter. You earn 1.5% flat, unlimited cashback automatically applied as a statement credit once you make payments, giving you control, clarity, and real value—every single month. If you crave simplicity, transparency, and real rewards, you’ll love this card!
Upgrade Cash Rewards
Unlimited Cash Back Simple Earning PowerBenefits (with enthusiastic spotlight for each!)
- Unlimited 1.5% Cashback on Every Purchase
No hoops, no rotating categories—just pure, consistent rewards every time you swipe. - No Annual Fee
That’s right. You keep all your rewards, dollar for dollar, no yearly charges whatsoever. - Fixed Monthly Payments
With installment-style payments, you get crystal-clear budgeting and faster payoff schedules. - Pre‑Qualification with No Credit Impact
Check your odds in seconds without dinging your credit score—no risk, all insight. - Auto‑Reward Redemption
Rewards post automatically as statement credits with your next paid balance—hassle-free! - Widely Accepted Visa Card with Contactless Pay
Tap, swipe, or click—it works everywhere Visa is accepted, including Apple Pay and Google Wallet. - Visa Signature Benefits + Zero Liability
Enjoy perks like extended warranty, roadside help, and peace of mind from fraud protection. - No Penalty APR
Late payments won’t skyrocket your rate—your APR remains stable . - Potential for Credit Limit Increases
Responsible habits may lead to higher credit limits over time . - Builds Credit with Reporting to All Agencies
Offers credit-building benefits when used responsibly. - Upgrade Shopping Offers
Access exclusive merchant deals through the Upgrade Shopping portal - Predictable, Lower Cost vs. Credit Cards
A controlled payment structure often beats typical minimum-payment traps
Earning Rewards
You automatically earn 1.5% cashback on every single purchase, as long as you repay those charges. There’s no cap, no signup bonus needed—just straightforward earning. The rewards post when payments are made, so your everyday spending instantly pays off.
Redeeming Rewards
No need to log in and manually redeem—your cashback is automatically applied as credit toward your next statement balance. It’s clean, simple, and effortless. You don’t have to chase points or jump through hoops—rewards seamlessly pay themselves.
Who Can Apply?
To qualify, you should meet the following criteria:
- Credit Score: Minimum FICO around 600 (fair credit).
- Income and Ability to Repay: Must have sufficient income and non‑housing debt.
- Residency: Available in most U.S. states (check eligibility; excludes select states) .
- Bank Account Required: Needing a linked checking account for payments and offers.
How to Apply
- Visit the Upgrade website and select Cash Rewards Card, or work through a prequalification tool.
- Provide your personal info (name, address, income, SSN).
- Grant permission for a soft credit pull—no impact to your score.
- Review your personalized offer with credit limit and APR.
- Accept and complete application—hard pull occurs at this point.
- Set up your account, link your checking for payments and rewards.
- Receive your card and start earning instantly!
Frequently Asked Questions
Is there an annual fee?
No—it’s totally free for life.
How much cashback do I earn?
A solid 1.5% on all purchases when you pay them.
When do I earn cashback?
When you make monthly payments toward the balance.
How are rewards posted?
Automatically as a statement credit.
What APR range does it offer?
Fixed APR between 14.99%–29.99%, based on creditworthiness.
Is there an introductory 0% APR?
No. Interest begins right away unless you pay in full each month.
Can I prequalify?
Yes—with a soft pull that won’t ding your credit.
Are there foreign transaction fees?
Yes—up to 3% per overseas transaction
Can I use it at ATMs?
No—it’s not set up for cash advances.
Is it secured or unsecured?
Fully unsecured—no deposit required.
Can I pay off the balance early?
Absolutely! Pay early to avoid interest.
Does it report to credit bureaus?
Yes—it helps build your credit history over time
What if I miss a payment?
You may lose the cashback for that cycle and owe a late fee (up to $29)
