Rewards Rate

Rates & Fees

Recommended FICO Score of 600+. See if you qualify without hurting your credit score.

Easy Online Application

 card is a unique product that offers the convenience of a typical credit card, but with fewer fees, including no annual fee, and more flexibility. Another thing that makes this card stand out when compared to typical credit cards is that you can receive a much lower ongoing interest rate – as low as 

The flexibility and low rates of the card make it a great choice if you're looking to finance a large purchase, like a home renovation. On top of all these perks, the 

 even comes with a stellar cash back rewards program – earn 

There is also a welcome bonus allowing Cardholders to earn a 

. *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

Since this card is available to consumers with Fair Credit, it can be a great tool to build your credit score without having to pay extra fees or compounding interest charges. You can even see if you qualify with no impact to your credit score. Apply today and start saving!

You must open a Rewards Checking Plus account and make 3 debit card transactions to earn the sign up bonus

No 0% intro APR on purchases or balance transfers

 card offers the convenience of a credit card with the flexibility and low rates of a personal loan.

Easily see if you qualify without hurting your credit score

Current Offer

Sutton Bank

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

1.5% unlimited cash back on every purchase

See if you qualify in seconds with no impact to your credit score

Combine the flexibility of a card with the predictability of a personal loan

Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more

Up to 10% cash back from your favorite brands with Upgrade Shopping

Contactless payments with Apple Pay® and Google Wallet™

Mobile app to access your account anytime, anywhere

Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Upgrade Cash Rewards Visa®

Get the Upgrade Cash Rewards Visa® card and enjoy the benefits of a credit card with the flexibility of a personal loan. Apply securely online today to start saving!