Upgrade Card Reviews & Cash Rewards Calculators

Upgrade offers several excellent credit cards that earn a solid return on your spend. Review the benefits, calculate cash back, and compare top cards.

Upgrade is an American neobank (aka online bank only) based out of San Francisco, California that offer credit cards and banking products.

Upgrade Credit Cards

Upgrade offers two credit cards. The Upgrade Visa® Card with Cash Rewards earns a flat 1.5% cash back on all purchases while the Upgrade Triple Cash Visa Card earns 3% back on home, auto, and health categories and 1% back on everything else. Both credit cards have no annual fee, no authorized user fees, and no foreign transaction fee.

What sets Upgrade credit cards apart from your traditional cards is that they have "the flexibility of a credit card with the low cost and predictability of a personal loan". When used as a credit card, you'll earn cash back on your purchases and any balance that you carry over beyond the due date will be converted to an installment loan at a fixed interest rate. When used as a personal loan, you can request funds be sent directly to your bank account from your card's credit limit and that amount will be converted into an installment loan at a fixed interest rate. Installment loans are repaid in equal monthly payments.

Overall, both Upgrade credit cards are options if you're looking for a really flexible cash back rewards card. The cards are available to FICO Scores of 600 and up and the credit limits range from $500 to $20,000 with some even being approved for $50,000. Such high credit limits also makes these great credit cards for emergencies.

Credit Line & Pre-Approval

The Upgrade Card allows you to see what credit line you'd qualify for without initiating a hard pull on your credit report. This is great because your credit report will not get dinged by a pull and you'll be able to get an idea of what kind of limit you'll have access to if you decide to pick up the card.

Upgrade Triple Cash Visa Card
Intro Bonus
No current intro bonus
Rewards Rate
3%
Earn 3% cash back on home, auto, and health categories.
1%
Earn 1% cash back on everything else.
Main Card Highlights
  • Earn 3% unlimited cash back on home, auto, and health categories
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Upgrade Visa® Card with Cash Rewards
Intro Bonus
No current intro bonus
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Main Card Highlights
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Annual Fee
$0
Regular APR
8.99% - 29.99% APR
Foreign Transaction Fee
0%

Other Upgrade Products

In addition to credit cards, Upgrade also offers personal loans of up to $50,000 and auto refinancing. You can view your offers in minutes and you can check your rates without impacting your credit scores.

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