Credit Cards

Apply for the Upgrade Card: find out how

Don't settle for less, apply now and get your Upgrade Card today! Fast and easy application with no surprises or fees. Apply online and get results in minutes!


Upgrade Card: Fast and easy application, get cash back rewards

Upgrade logo
How to apply for the Upgrade Card! Source: Upgrade

Apply for the Upgrade Card, make large purchases, and borrow from your credit line. Once you do that, you can pay off your balance in equal installments with fixed rates each month.


Credit Card


Get cash back Apply Online

Pay no annual fee, get 1.5% cash back and enjoy Visa Signature Benefit!

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This card charges no fees and offers 1.5% cash back rewards on payments. Great perks, isn’t it? Now let’s see how the application process works.

Online application

You can apply for the Upgrade Card easily. First, fill out the application form.

It will request your basic information, such as name, address, and income. Then, you must inform your email address and create a password.

They also ask you to agree with the Terms of Use and other policies which authorize them to access your credit reports. Once you’ve filled everything in, click on the Apply Now button.

Once they access your information, they’ll check if you have any available credit lines or personal loan offers. See how easy?

If approved, you can start enjoying your Upgrade Card immediately!

While your physical card does not arrive through the mail, you have immediate access to a virtual one with a temporary card number. 

Apply on the mobile app

Upgrade Card
Upgrade Card: Fast and easy application, get cash back rewards! Source: Freepik

Upgrade Card offers a great mobile app in which you can manage your account. You can download it on the Google Play Store or Apple Store.

Although a great way to manage your card and track your rewards and credit score, you can only apply for the Upgrade Card through Upgrad’s website.

Upgrade Card or Wells Fargo Reflect℠ Credit Card?

Now you know everything you need to know about how to apply for the Upgrade Card!

But do you think this isn’t the right decision for you? No problem! We have another option that might suit you perfectly.

Meet the Wells Fargo Reflect℠! It starts by offering one of the most extensive intros APR periods on the market: 0% APR for up to 21 months.

It is perfect for anyone looking to finance large purchases without paying interest. Furthermore, this credit card comes with a Cell Phone and Zero Liability protection.

Bellow, take a closer look at both cards’ details and see which one is the best option for you!

Upgrade Card

  • Credit Score: At least 690;
  • Annual Fee: $0;
  • Regular APR: 8.99% – 29.99%;
  • Welcome bonus: You can get a $200 bonus (valid for when you open a Rewards Checking account and make 3 transactions with your debit card);
  • Rewards: 1.5% cash back on payments (unlimited).

Wells Fargo Reflect℠ Card

  • Credit Score: 690 – 850;
  • Annual Fee: $0;
  • Regular APR: 15.24% to 27.24% (variable APR valid for purchases and balance transfers); get 0% intro APR for 18 months;
  • Welcome bonus: No welcome bonus;
  • Rewards: It offers no rewards.

Now that you know more about these two cards, you can make your decision. And if you chose the Wells Fargo Reflect℠ Card, check out our post below to learn how to apply!

Wells Fargo Reflect℠ Credit Card

Apply for the Wells Fargo Reflect℠ Card: find out

With Wells Fargo Reflect℠ Credit Card you get up to 21 months of 0% intro APR and Cell Phone protection. Want to apply? Read our post!

About the author  /  Beatriz Vieira

Beatriz Vieira is a producer and copywriter who is part of the finance writer team in this portal. She has a degree in Journalism and aims to improve her bilingual writing skills. Her subjects of most significant interest are culture, finances, and self-development.

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