Upgrade Cash Rewards Visa earning rate

The Upgrade Visa Card earns cash back at the following rates:

  • 1.5% Cash back everyday on every purchase when you pay it back.

Upgrade Cash Rewards Visa 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.

Upgrade Cash Rewards Visa 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.