Upgrade Visa Card: Calculate Rewards & Get Pre-Approved

Cash Back Calculator
Review the benefits of the Upgrade Visa Card, calculate how much cash back you can earn based on your spend, and find out if you're pre-approved.
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Last Updated 2021-12-26

The Upgrade Visa Card with Cash Rewards is a flat rate cash back credit card issued by Sutton Bank. It's a hybrid credit card that has "the flexibility of a credit card with the low cost and predictability of a personal loan" meaning you can use it like a normal credit card and/or draw from your credit limit to fund your bank account as a personal loan.

Card Details At-A-Glance

Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee
Income Requirement
Annual Fee: $0
$200 Bonus
Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.

Upgrade Visa Card 1.5% Back

The Upgrade Visa Card with Cash Rewards earns an unlimited 1.5% cash back when you pay off the purchases made to the card. Cash back earned is applied to the next month's balance on the card.

Upgrade Visa Card Benefits

The Upgrade Visa Card features the following card benefits:

  • Available To FICO Scores of 600 and up
  • Average Credit Limits Ranging From $500 to $20,000
  • $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
  • Reports to all three major credit bureaus

Overall, the Upgrade Visa Card is a solid option if you're looking for a very flexible cash rewards credit card that can earn you cash back and double as a personal loan.

The card can also be great for emergencies due to the possible high credit limits and it's low FICO score requirements mean that you can easily use it to help build your credit.

Other Information

Listed below are a few other important pieces of information on the Upgrade Visa Card.


Do note that the Upgrade Visa Card is not available in the following states:

  • Iowa
  • West Virginia
  • Wisconsin
  • Washington

Credit Line & Pre-Approval

The Upgrade Visa 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 Pre-Approval Tool

Upgrade Visa Card Cash Back Calculator

Calculate how much cash back you can earn with the Upgrade Visa Card based on spend. Results can be compared side by side any U.S. credit card featured on the website.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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