Credit Cards (US)

Upgrade Visa® Card with Cash Rewards application

The Upgrade Visa® Card 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!

by Aline Augusto

12/29/2021 | Updated on 03/09/2023

Learn how to apply and get your Upgrade Visa® Card with Cash Rewards.

Learn how you can apply for this card. Source: The Mister Finance.
Learn how you can apply for this card. Source: The Mister Finance.

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!


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

Apply online

See how you can apply online. Source: Adobe Stock.
See how you can apply online. Source: Adobe Stock.

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.

Apply using the app

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

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 APR14.99% – 29.99% variable APR.From 13.99% to 23.99%
Welcome bonus$200 bonus when you open a Rewards Checking account and make 3 debit card transactions.$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!

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.

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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