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Upgrade Cash Rewards Visa® Card

Card Value & Cash Back Calculator

Earning Rates

  • Earn 1.5% cash back on all purchases.

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.

Main Benefits

  • Available to FICO scores 600 and up, $500 to $25K credit limits, and $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

The Upgrade Cash Rewards Visa is a 1.5% cash back credit card that has "the flexibility of a credit card with the low cost and predictability of a personal loan". The loan benefit of the card can be really useful if you need cash in a pinch.

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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