Upgrade Cash Rewards Visa® Card

Card Value & Cash Back Calculator

The Upgrade Cash Rewards Visa® 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.

Intro Bonus: $200 bonus

Rewards Rates

Earn 1.5% cash back on all purchases.

Current Intro 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. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Key Cardholder 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

Annual Fees

The Upgrade Cash Rewards Visa Card has a $0 annual fee.

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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