Upgrade Cash Rewards Visa 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Upgrade Cash Rewards Visa4.0/5

Upgrade

Annual fee
$0
Rewards rate
1.5%-1.5%
Welcome Bonus
$200
Apply Now →on Upgrade's website
Regular APR:14.99%-29.99% Fixed APR

  • 1.5%Cash back on all purchases

Welcome Bonus:

Earn a $200 welcome bonus for new cardholders who open and fund a Rewards Checking Plus account and make three debit card transactions within 60 days.

Reward Rate:

The Upgrade Cash Rewards Visa offers an unlimited 1.5% cash back on all card purchases.

APR:

14.99%-29.99% Fixed APR

A key differentiator is its hybrid nature, combining credit card features with personal loan characteristics, making it ideal for those who prefer structured repayment while earning cash back.

Pros:

  • No annual fee
  • Predictable repayment structure

Cons:

  • Requires opening a checking account for bonus
  • Cash back applied only when payments are made
Apply now →

The Upgrade Cash Rewards Visa may be a suitable option for individuals seeking a no-annual-fee credit card that offers a straightforward cash back rewards structure, particularly for those who value a hybrid approach to credit with the ability to manage payments more like a personal loan. Its combination of rewards and repayment flexibility could appeal to budget-conscious consumers looking to earn cash back while maintaining control over their spending.

Frequently Asked Questions

Related Guides