Before applying for the Upgrade Visa® Card with Cash Rewards, let’s summarize its features.

First of all, this card works like a credit card and a personal loan. So you can make big purchases and pay them back in equal installments at fixed rates every month during a set period.

Also, it offers unlimited 1.5% cash back on all payments. And all of that with no annual, activation or maintenance fees to worry about!

Although it doesn’t feature welcome bonuses, it has competitive rates. And it gives a good range of credit limits from $500 to $25,000.

Finally, it is a Visa® card, which means you can enjoy peace of mind knowing that you won’t be responsible for unauthorized purchases on your card. 

Then, check out how to apply for an Upgrade Visa® with Cash Rewards!

First, access Upgrade’s website and browse their credit card selection. Then, choose the Upgrade Visa® Card with Cash Rewards. After that, click on Get Started.

You don’t need a perfect credit score for the application. Also, you can pre-qualify for it without harming your credit.

Then, fill in the forms with your personal information, individual annual income, and additional annual income. 

Finally, submit it.

Be aware that this card is not available in all U.S. states. Residents from DC, IA, WV, and WI. will not be able to apply for it.

After getting the approval, download the Upgrade mobile app to access and manage all of your card’s information.

Even though the Upgrade credit card doesn’t offer a welcome bonus, you can apply for it with a lower credit score than the recommended in the Bank of America’s credit card.

On the other hand, you may pay less interest if you get an Unlimited Cash Rewards card.

Find out more about it on the summary table right below!

Disclaimer: To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.