In this In this Upgrade Visa® Card with Cash Rewards review, we’ll show you how you can restablish your score and earn rewards while doing so.

Upgrade cards usually work like a credit card and a personal loan. So, you can make large purchases with it and pay it back in equal installments every month during a period and with fixed rates.

Plus, you earn unlimited 1.5% cash back on all payments, which means that you get rewards on every purchase but receive it when paying off the balance.

Find out more about this card right below and keep reading our Upgrade Visa® Card with Cash Rewards review for more.

Getting an Upgrade credit card equals earning unlimited cash back on payments. Although it doesn’t offer a welcome bonus or introductory APR, this card rewards you with 1.5% cash back when you pay your purchases.

Also, it features competitive fees and rates. With a reasonable APR, it doesn’t charge you an annual, maintenance or activation fee whatsoever, too.

Furthermore, this Upgrade doesn’t require a perfect credit history to apply for it. So you can get yours even if you have fair credit and start now to re-establish the score.

Finally, as a Visa-branded credit card, it offers a $0 Fraud liability, which means you won’t be responsible for unauthorized purchases.

Firstly, there is no annual fee and foreign transaction fee, so you don’t need to worry about high costs. 

Secondly, it charges a reasonable APR, ranging from 14.99% to 29.99%. You may watch out for the 29.99%, but note it is the average rate among other credit cards.

Thirdly, you may apply for it even though you don’t have a perfect credit history. And since it reports to all three major credit bureaus, it allows you to rebuild your credit by paying off balances on time.

Plus, the credit limit ranges from $500 to $25,000, which is a good amount.

Moreover, this card works as a hybrid credit card and personal loan, so you can make large purchases and pay them off in equal installments.

Also, you earn unlimited cash back every time you purchase and pay for it.

On the other hand, it doesn’t offer introductory bonuses. And you may not qualify for the higher credit limit. 

You don’t need a perfect credit history to apply for an Upgrade Visa® card. You may qualify for it even with a fair credit score.

Are you ready to earn unlimited cash back while using your Upgrade as a credit card or a personal loan? If so, find out now how to apply for one!

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.