Compare UpGrade Visa Cards
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| Image | Product | Features/Benefits | Learn More! |
|---|---|---|---|
Triple Cash Rewards! | Learn More! | ||
1.5% Cashback! |
| Learn More! | |
UpGrade Card! |
| Learn More! |
- Link to 1.5% cashback card landing page AND disclaimer: Personal information | Upgrade
- Link to 3% cashback rewards card landing page AND disclaimer: Personal information | Upgrade
- Link to UpGrade card landing page AND disclaimer: Personal information | Upgrade
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Credit Lines feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging $500 – $25,000. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. Optional ACH transfers to your bank account, balance transfers, ATM withdrawals (if available), and foreign transactions are subject to applicable fees that, if incurred, will increase your finance charge and APR. Late fees and insufficient funds fees may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to an approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
- * Purchases in Gas, Grocery, Health, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.
- ** 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 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.
- 1 Your card offers you an early repayment option to avoid interest. After your first statement period, interest will generally accrue daily from the day a transaction occurs. With EarlyPay, you can choose to pay off your statement balance in full two (2) days after your statement period ends, so that you’ll pay no interest on transactions for your next statement period. Or, you can make your required minimum monthly payment on your monthly due date, which is twenty-two (22) days after your statement period ends. If making the minimum payment results in any carryover balance from one statement period to the next, all balances will accrue interest for the next statement period. You can pay off your line at any time to eliminate further daily interest.
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