Upgrade Visa® Card with Cash Rewards

Review the benefits of the Upgrade Visa® Card with Cash Rewards, calculate total cash back based on spend, and compare against top rewards credit cards.

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Upgrade Visa Card Breakdown

The Upgrade Visa Card can act as a credit card and as a personal loan.

When used as a credit card, you'll earn 1.5% cash back on all purchases ran through the card. If you carry a balance beyond the due date, the amount owed is converted to an installment loan at a fixed interest rate in which you can repay in equal monthly installments over a set period.

When used as a personal loan, you can request funds be sent directly to your bank account from your card's credit limit. As with purchases, you'll be able to pay back the loan in equal monthly installments over a set period and interest rate. Do note that you cannot use this card to withdraw cash at ATM machines.

Rewards Rate Details

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 applies to the next month's balance on the card.

  • 1.5% All Purchases

Perks & Benefits

There's a handful of great positives that comes with the Upgrade Visa Card.

  • Card Highlights:
    • 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.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here

Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Change Order
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2


This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Card 2
Review our top picks for best cash back credit cards and calculate which cards will earn you the best return based on your spend.
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Updated 2021-05-24 By Robert Flowers III

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