Credit Cards

Upgrade Card review: rates, pros and cons

Looking for a new credit card? Look no further! The Upgrade Card is the perfect choice for you! Pay no fees and get personal loans easily! Learn everything you need about this card in this article.


Upgrade Card: Pay no fee and get a 1.5% cash back reward on payments

Upgrade Card
Read the Upgrade Card’s full review to learn if it’s good for you! Source: Upgrade

It seems like everywhere you turn, there’s a new credit card offer. And with all the options available, it can be tough to figure out which card is best. That’s where the Upgrade Card comes in!

Upgrade logo

Learn how to apply for the Upgrade Card

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!

This card offers cashback, no fees, and Visa Signature benefits. In this article, we’ll take a closer look at the Upgrade Card and help you make up your mind!

Credit Score690 or higher
Annual Fee$0
Regular APR8.99% – 29.99%
Welcome bonusYou can get a $200 bonus (valid for when you open a Rewards Checking account and make 3 transactions with your debit card)
Rewards1.5% cashback (unlimited)

All you need to know about the Upgrade Card

The Upgrade Card is an excellent option if you’re looking for flexibility and lower costs.

This hybrid card is a bit different from most credit cards since it can be used as a credit card or a personal loan.

Sutton Bank issues the credit card. It can be used for purchases, converting into installment loans with a fixed rate.

It also extends a personal credit line, leading your payments to break up into equal monthly installments.

In addition, you can request that your credit limit goes directly to your bank account. However, you can’t withdraw cash at an ATM with it.

If you’re worried about the Upgrade Card’s fees, there’s no need to be! It charges no annual fee. Also, you will pay $0 activation, maintenance, or foreign transaction fees.

The APR rates range from 8.99% to 29.99%. If you want to qualify for the lowest APR, you must sign for automatic payments.

Equally important, cardholders also earn 1.5% cash back on purchases when they make payments. The card starts with the initial limit of $500 and can range up to $50,000.

Upgrade Card details

Upgrade Card
Learn everything you need about the Upgrade Card! Source: Freepik

Upgrade Card appears to be a great way to control your finances. Now that you know how it works, it’s time for you to dive into its advantages and disadvantages.


  • Get unlimited 1.5% cash back on payments;
  • Pay no annual fee;
  • No activation fees;
  • Reports your payments to 3 credit bureaus;
  • Enjoy Visa Signature perks.


  • You’ll need a good score to apply;
  • APR rates can be potentially high.

What is the credit score necessary to apply?

To apply for the Upgrade Card, you must have a fair credit score. In other words, a FICO Score of 690 or higher will be necessary to qualify for this card!

Learn how to get the Upgrade Card

Applying for this credit card is easy! You can get approved within minutes without hurting your credit score!

Want to know more? Read the following article to learn how the application process works.

Upgrade Card

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!

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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