Upgrade Cash Rewards Visa® Card: Calculator & Rewards Guide
Fees
Earning Rates
- Earn 1.5% cash back on all purchases.
Main Benefits
- Available to FICO scores 600 and up
- High credit limits of $500 to $25K
- $0 fees (no annual fee, no activation fees, and no maintenance fees).
- Hybrid Card — Can be used like a normal credit card or you can take out a personal loan by drawing from your credit limit to fund your bank account.
Our Take
Upgrade Cash Rewards Visa Cash Back Calculator
Use this calculator to estimate how much cash back you’ll earn with the Upgrade Visa Card. Get unlimited 1.5% back on payments made toward your purchases. It’s a unique hybrid card that combines the flexibility of a credit card with fixed payments like a loan — great for budgeting while still earning rewards.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Upgrade Cash Rewards Visa® Card Details
Earning Rates
The Upgrade Visa Card earns cash back at the following rates:
- 1.5% Cash back everyday on every purchase when you pay it back.
Key Benefits
Here are the main benefits of the Upgrade Visa Card:
- High Credit Limit: Get a credit line from $500 to $25,000.
- Lower Cost: Set payoffs bring your balance down faster so you can pay less interest.
- Turn Purchases Into a Loan: Combine the flexibility of a credit card with the predictability of a personal loan — pay down balances from each month at a fixed rate and term.
- Touch Payments: No touch payments with contactless technology built in.
- Get Pre-Approved: See if you qualify in minutes without hurting your credit score.
Fees
Annual Fee
The Upgrade Visa Card does not have an annual fee.
Authorized User Fee
There is no fee to add authorized users to the Upgrade Visa Card. Adding family and friends can help you earn cash back faster.
Foreign Transaction Fee
The Upgrade Visa Card has a 3% foreign transaction fee. That makes this a bad option for purchases outside of the United States.
Cash Back Calculators & Guides
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Chase Cash Back Credit Card Calculators
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Capital One Cash Back Credit Card Calculators
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Citi Cash Back Credit Card Calculators
Use our calculators to calculate total Citi cash back based on your spend. -
View All Cash Back Credit Card Calculators
View the full list of cash back credit cards from all issuers.
