- $0 Annual fee
- 8.99% – 29.99% fixed Regular APR
- $0 Foreign Transaction Fee
- $0 Balance Transfer Intro APR Fees
- $200 bonus when you open a Rewards Checking account and make 3 debit card transactions
The most basic of Upgrade’s four credit cards is the Upgrade Card. The Upgrade Card is free to apply for and use, just like the others. Unlike other credit cards that have startup costs, monthly fees, and yearly fees, the Upgrade Card has no fees of any kind, not even for overseas transactions or prepayments.
The key distinction between this card and the others that Upgrade offers is that this one doesn’t need ordinary to exceptional credit, giving those whose credit is improving the chance to apply for an Upgrade card and take advantage of its perks.
Upgrade Visa Cash Rewards Card
- $0 Annual fee
- 8.99% – 29.99% fixed Regular APR
- $0 Foreign Transaction Fee
- $0 Balance Transfer Intro APR Fees
- $200 bonus when you open a Rewards Checking account and make 3 debit card transactions
- Affordable credit line and Unlimited 1.5% cash back on payments
The Visa Cash Rewards Upgrade credit card is the second available card choice. This card promotes timely payments by giving you the money back at the moment of payment. It also offers additional opportunities to earn cashback and help you manage your income as effectively as possible.
Charges made to your Upgrade Card are treated as installment loans. Over a loan term of 12 to 60 months, you will pay back this loan with set installments. You will have a set APR and predetermined monthly payment, allowing you to plan and develop a budget. Additionally, you’ll be able to handle your finances with confidence and flexibility because you’ll know exactly when you’ll pay back the borrowed money.
Since the terms make it simpler for you to make considerable progress toward repaying the principle, paying off your debts in this method might be speedy and less expensive in the long run. Every time you pay a bill, the Upgrade Cash Rewards Card gives you an additional 1.5% cash back on all purchases.
Upgrade Visa Triple Cash Rewards Card
- $0 Annual fee
- 8.99% – 29.99% fixed Regular APR
- $0 Foreign Transaction Fee
- $0 Balance Transfer Intro APR Fees
- $200 bonus when you open a Rewards Checking account and make 3 debit card transactions
- Earn 3% unlimited cash back on home, auto, and health categories and 1% unlimited cash back on everything else
The Upgrade Triple Cash Rewards card is a useful option for those who frequently spend a lot of money in these categories and want to save money with reward programs since it combines the opportunity to convert debt into a fixed-rate loan with the extra cashback in those areas. For cardholders who are ineligible for low intro APR cards, it can also be a wise decision.
Given that the Upgrade Triple Cash Rewards card offers 3% cash back on the categories of home, car, and health and 1% cash back on everything else, Triple Cash Upgrade rewards are a beneficial choice for those doing home renovations, working on automobiles, or those with a lot of health and wellness expenses. When purchases are paid for, cashback rewards are earned, and because redemptions happen automatically and often, cashback benefits never expire.
Upgrade Visa Bitcoin Rewards Card
- $0 Annual fee
- 8.99% – 29.99% fixed Regular APR
- $0 Foreign Transaction Fee
- $0 Balance Transfer Intro APR Fees
- $200 bonus when you open a Rewards Checking account and make 3 debit card transactions
- Earn 1.5% unlimited cash back in bitcoin when you make payments
The Upgrade Bitcoin Rewards Visa Card, issued by Sutton Bank, is comparable to the Upgrade Visa Cash Rewards, which also combines the benefits of credit cards and personal loans and is intended to promote responsible payment behavior. It offers a 24- to 60-month installment payment plan as opposed to the conventional revolving balance credit card model that accrues daily finance charges based on the card’s interest rate.
But with the Upgrade Bitcoin Incentives, each time you make a payment on your balance, you’ll receive 1.5% back in rewards in the form of bitcoin. You have the option of keeping your Bitcoin rewards on the NYDIG trading platform or redeeming them for a statement credit.
Learn how to apply for the Upgrade Visa Cards
Applying for the Upgrade Visa Credit Card is a straightforward process designed for your convenience. First, ensure you meet the basic eligibility criteria, including age and credit score requirements. Next, visit the Upgrade Card’s official website and navigate to the application section. Here, you’ll fill out a simple form with your personal and financial information. Ensure accuracy to facilitate a smooth process. Once submitted, your application will be promptly reviewed. Upon approval, you’ll receive your card and can activate it following the provided instructions. This card offers competitive rates and unique features, making it a wise choice for financial management.
The U.S. Bank Altitude Go Secured Card 
The Sable Secured Credit Card 
The U.S. Bank Cash+ Visa Signature Credit Card