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.
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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.
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:
- West Virginia
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.
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.