Credit Cards»Upgrade Elite Cash Rewards Visa®
Upgrade Elite Cash Rewards Visa®See Rates & Fees
Partner Offer

Upgrade Elite Cash Rewards Visa®

Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Upgrade's secure site
Intro Bonus
$200$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Reward Rates
2.2%2.2% unlimited cash back on every purchase
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
14.99% - 29.99%
Annual Fee
$0

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 2.2% unlimited cash back on every purchase
  • Pay no interest when you pay your full balance early**
  • See if you qualify in seconds with no impact to your credit score
  • No annual fee
  • Combine the flexibility of a card with the predictability of a 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
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • State Exclusions: DC, GA, IA, MA, WV, WI
  • Welcome Bonus: *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 (continued): 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.
  • **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
  • See Rates & Fees

Features

  • Cash Back
    Cash Back
  • Concierge Service
    Concierge Service
  • Extended Warranty Program
    Extended Warranty Program
  • No Annual Fee
    No Annual Fee
  • Price Protection
    Price Protection
  • Roadside Assistance
    Roadside Assistance
  • Travel Assistance
    Travel Assistance
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

4.3 out of 5

Our take: A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance. See Rates and Fees

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.