Credit Cards

How to apply for the Upgrade Visa® with Cash Rewards card?

An Upgrade Visa® with Cash Rewards features credit card and personal loan functions under the same roof. And you get unlimited rewards. Learn how to apply for it today!

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by Aline Augusto

12/29/2021 | Updated on 12/30/2021

Upgrade Visa® with Cash Rewards credit card application

Find out how the application process to get this card works! Source: Upgrade.
Find out how the application process to get this card works! Source: Upgrade.

Before applying for the Upgrade Visa® with Cash Rewards card, 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 or foreign transaction fee 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 $20,000.

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!

card

Credit Card

Upgrade Cash Rewards

Cash back Visa®

Earn cash back on all payments with no annual fee.

You will be redirected to another website

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Apply online

Learn how to apply online. Source: Canva.
Learn how to apply online. Source: Canva.

Access the Upgrade website at https://www.upgrade.com/ and select the Upgrade Visa® with Cash Rewards credit card.

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.

Apply using the app

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

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Upgrade Visa® with Cash Rewards card vs. Bank of America® Unlimited Cash Rewards credit card 

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!

Upgrade Visa® with Cash Rewards Bank of America® Unlimited Cash Rewards
Credit ScoreFair – Good Good – Excellent 
Annual Fee$0$0
Regular APRFrom 8.99% to 29.99%From 13.99% to 23.99%
Welcome bonusNone$200 
RewardsUnlimited 1.5% cash back on payments1.5% cash back on all purchases
Cartão Bank of America® Unlimited Cash Rewards fundo cinza

How to apply Unlimited Cash Rewards

Bank of America® Unlimited Cash Rewards offers rewards with $0 annual fee. See how to apply for it!

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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