Rewards Rate

Rates & Fees

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

Easy Online Application

 is a unique product that offers the convenience of a typical credit card, but with fewer fees and more flexibility. With is card you pay no fees of any kind – no annual fees, no late fees, and no transaction fees! Another thing that makes this card stand out when compared to typical credit cards is that you can receive a much long ongoing interest rate – as low as 

The flexibility and low rates of the 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.

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!

No 0% intro APR on purchases or balance transfers

 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*

Earn 1.5% unlimited cash back on card purchases every time you make a payment

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

No touch payments with contactless technology built in

See if you qualify in minutes without hurting your credit score

Great for large purchases with predictable payments you can budget for

Mobile app to access your account anytime, anywhere

Enjoy peace of mind with $0 Fraud liability

Upgrade Cash Rewards Visa®

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