Cash Rewards

1.5% Cash back

rewards on all purchases 1

• No annual fee
• Check for an offer with no credit score impact

$200 bonus when you also open a Rewards Checking Preferred account and make 3 debit card transactions 2

You're in control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Convenient

Swipe, tap, insert or purchase online anywhere Visa 3 is accepted to get rewarded with 1.5% cash back 1

Lower cost

Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual fee

Predictable

Pay down balances from each month at a fixed rate on each purchase

How it Works

Apply for Upgrade Card

Check for an offer with no credit score impact

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted 3

Make monthly payments

Use AutoPay for simple, automated payments

Get rewarded

Earn 1.5% unlimited cash back everyday on every purchase when you pay it back 1

See How It Works in This Video

Unlock savings on your favorite brands!

Discover offers, shop, and watch the discounts roll in. 4

Upgrade Card FAQs

What is Upgrade Card?

Upgrade Card can help you make good credit decisions by combining the flexibility of a cash back rewards credit card with the predictability of a personal loan. Upgrade Cash Rewards Card is our best cash back rewards card if you want simple, unlimited rewards, without merchant categories to remember or quarterly rewards category signups.

How can I use my Upgrade Card?

You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other credit card issuers to your card, subject to applicable fees.

Why choose Upgrade Card instead of personal loan?

Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a cash back rewards credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use. And with Upgrade Cash Rewards Card, you get unlimited 1.5% cash back rewards on purchases when you pay them back.

Is the Upgrade Card secured or unsecured?

Upgrade Card is unsecured so you do not need to provide a cash or security deposit or any other collateral.

How do I apply for Upgrade Card?

Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.

First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.

Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.

Does Upgrade Card come with Visa Signature® benefits?

All Upgrade Cards, except for Upgrade Select, offer Visa Signature benefits, including Extended Warranty Protection, Price Protection, Roadside Dispatch, Travel and Emergency Assistance Services and Visa's Zero Liability Policy.