Upgrade Cash Rewards

Credit Card

Upgrade Cash Rewards

No annual fee. Fixed-term installment plans for balances.

It offers convenience, security and financial versatility

How to Apply You will remain on the current site

The Upgrade Cash Rewards Visa® combines the simplicity of a credit card with the predictability of a personal loan, offering a flat 1.5% cashback on every purchase.

Designed for individuals seeking financial flexibility, this card stands out for its unique structure, which allows cardholders to convert balances into fixed-term installment plans.

With no annual fee and cashback rewards on every dollar spent, the Upgrade Cash Rewards Visa is a versatile tool for managing everyday expenses while earning consistent rewards.

Its hybrid nature provides cardholders with the benefits of a credit card and the disciplined repayment structure of a personal loan, helping them avoid high-interest debt.

By reporting to all three major credit bureaus, the card also supports credit building and improvement, making it a valuable choice for individuals at various stages of their financial journey.

Pros and Cons

Pros

• Unlimited 1.5% cashback on all purchases.
• No annual fee.
• Fixed-term installment plans for balances.
• Reports to all three major credit bureaus.

Cons

• Requires excellent or good credit for approval.
• Lacks travel or premium perks.
• No introductory APR offers.

Is This the Best Card for You?

The Upgrade Cash Rewards Visa is ideal for individuals who want consistent cashback rewards and prefer the option to repay balances through structured installment plans.

While it lacks premium perks, its hybrid nature and simplicity make it a strong choice for practical and financially disciplined users.

Why We Like This Card

The Upgrade Cash Rewards Visa combines flexibility and rewards in a unique package. Its flat-rate cashback, no annual fee, and hybrid repayment options make it an appealing choice for individuals seeking financial control and consistent value.