Credit Quality: Good

Credit Quality: Fair

Rewards Rate

Rates & Fees

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

Easy Online Application

 is a unique offer that combines the flexibility and low cost of a personal loan with the convenience of a standard credit card. This card comes with a solid cash back rewards program which offers bonus cash back plus a reliable flat rate on all purchases: 

Typically, cash back like this is reserved for consumers with Excellent Credit, but the 

. Another excellent perk is that this card comes with no annual fee and no late fees. Cardholders can also 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.

No introductory APR on purchases or balance transfers

Enjoy the connivence of a credit card with the low cost of a personal loan, and earn cash rewards on every purchase

Current Offer

Sutton Bank

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

Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on
your purchases

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 Triple Cash Rewards Visa®

Get the Upgrade Triple Cash Rewards Visa® Card and start earning cash rewards with every purchase! Our unbiased review will help you decide if it's the right card for you.