Credit Cards

Upgrade Visa® with Cash Rewards credit card full review

In this Upgrade Visa® with Cash Rewards review post, we will explain how this credit card works and all the benefits you get by applying for one, such as unlimited cash back! Keep reading to learn it all!

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by Aline Augusto

Published on 12/29/2021

Upgrade Visa® with Cash Rewards card: re-establish a good credit score!

Learn more about this credit card. Source: Upgrade.
Learn more about this credit card. Source: Upgrade.

Since Upgrade Visa® with Cash Rewards reports to all three major credit bureaus, you can re-establish your credit history by paying off balances on time.

Also, an Upgrade card works 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!

Credit ScoreFair – Good 
Annual Fee$0
Regular APRFrom 8.99% to 29.99%
Welcome bonusNone
RewardsUnlimited 1.5% cash back on payments
Upgrade Visa with Cash Rewards

How to apply Upgrade Visa® with Cash Rewards

Earn unlimited cash back and pay a $0 annual fee with an Upgrade Visa® with Cash Rewards card! Learn how to apply for it!

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How does the Upgrade Visa® with Cash Rewards credit card work?

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 or monthly 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.

Upgrade Visa® with Cash Rewards benefits

See what are the benefits of Upgrade Visa® with Cash Rewards. Source: Pexels.
See what are the benefits of Upgrade Visa® with Cash Rewards. Source: Pexels.

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 8.99% 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 $20,000, 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. 

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Pros

  • It doesn’t require a perfect credit score to apply for it
  • It offers unlimited cash back on payments
  • Plus, it doesn’t charge an annual or a foreign transaction fee
  • It works as both credit card and personal loan
  • It doesn’t require a security deposit

Cons

  • It doesn’t offer any introductory bonuses
  • You may not qualify for a high credit limit

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How good does your credit score need to be?

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.

How to apply for an Upgrade Visa® with Cash Rewards?

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!

Upgrade Visa with Cash Rewards

How to apply Upgrade Visa® with Cash Rewards

Earn unlimited cash back and pay a $0 annual fee with an Upgrade Visa® with Cash Rewards card! Learn 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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