Credit Cards

How to apply for an Upgrade credit card?

The cash back Upgrade card has credit card features and personal loan features as well! If you want to know how to apply for this card, keep reading our post!

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by Victória Lourenço

10/19/2021 | Updated on 11/17/2021

Upgrade credit card application

See how to apply for the Upgrade card! Source: Upgrade.
See how to apply for the Upgrade card! Source: Upgrade.

The cash back Upgrade card is available for those with fair to excellent credit scores, and there are no annual fees or monthly fees. Also, you can use this card more like a personal loan or a credit card. That is, you can opt to get funds in your bank account and then pay them in monthly installments up to a certain period.

In addition, you can use it like a regular credit card. However, you cannot use an ATM to withdraw cash with this card. Moreover, you can earn 1.5% cash back rewards for every purchase you make with this card. So, if you got interested in this card and fit the profile to get this card, keep reading our post to know how to apply!

card

Credit Card

Upgrade

international visa

Get unlimited 1.5% cash back, no annual fee.

You will be redirected to another website

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Apply online

See how to apply online for this credit card. Source: Unsplash.
See how to apply online for this credit card. Source: Unsplash.

To apply online for this credit card, you can go to the credit card company’s website and choose the card option. Then, you can click on Get Started and fill out the required personal information. Also, you will need to provide information such as a home address, annual income, and other related information. After that, you can pre-check which is your credit line.

But remember that, before applying, you need to see if your credit score is up to date and if you have the minimum score required. Moreover, make sure that you read the terms and conditions that apply to the card.

Apply using the app

Find out if you can apply through a mobile app. Source: Unsplash.
Find out if you can apply through a mobile app. Source: Unsplash.

To apply for the card, you have to go to the credit card company’s website and apply online. However, once you become a cardholder, you can download the mobile app. Plus, you can check your balance, pay your bills and manage your account in general through the mobile app.

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Upgrade credit card vs. Surge credit card

If you like the features of this credit card but do not have the credit score required to apply, you can see other card options. Moreover, you can choose credit cards that have more flexibility on accepting those with low scores. However, you can move up to a different card with more benefits after you reestablish your credit. Therefore, we have prepared a comparison with a credit card that accepts lower scores, the Surge credit card.

So, here are some of the main features of the upgrade card and the Surge credit card below!

Upgrade cardSurge credit card
Credit ScoreYou can qualify to get this card with a fair to excellent credit score.Qualify with a poor to good credit score.
Annual FeeThere is no annual fee.This card charges an annual fee that ranges from $75 to $99.
Regular APRVariable APR ranging from 8.99% to 29.99%.Variable APR ranging from 24.99% to 29.99%.
Welcome bonusN/A.No welcome bonus is available for new cardholders.
Rewards*As a cardholder, you can get 1.5% unlimited cash back on all purchases made with this credit card.No rewards are available for cardholders.

How to apply for Surge credit card?

If you need a credit card with credit rebuilding benefits, the Surge Mastercard card can be for you. Read more to know how to apply!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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