How Does the Upgrade Visa® Card Work?

Posted on February 15, 2021 in Credit Cards

When you’re repairing your credit score or are new to credit cards, you can find some cards that offer low credit lines. But what do you do when you’re ready for a larger limit? The Upgrade Visa® card with cash rewards is available for consumers with low average credit scores, but boasts credit limits up to $25,000. Upgrade Visa® also offers 1.5% cashback on your payments as well as other benefits. Now that you know why the Upgrade Visa® is a good credit card, read on to find out how it works.

Upgrade Visa® Credit Card Details

The Upgrade Visa® is a credit card that offers some features similar to a personal loan. When you don’t pay your entire monthly balance, the Upgrade Visa® calculates minimum monthly payments based on your total current charges. Your new payment is designed to pay off your entire balance within a set amount of time, either 24, 36, or 60 months. This helps you pay off your balance much quicker than with a typical credit card. 

On one hand, you’re likely to have a larger monthly payment with the Upgrade Visa® than with other cards. However, this also helps you pay off your charges in less time and ultimately, less money spent on interest.

Upgrade Visa® offers credit limits ranging from $500 to $25,000. If your account has a lower rate, you will also set up automatic bill pay from a checking account. This benefit helps guarantee you make your payments on time. 

An Upgrade Visa® also includes a cash rewards system. You’ll receive 1.5% cashback on every payment you make. Choose to send this cashback to your bank account, or apply it to your balance to reduce your overall charges.

With such a high upper credit limit, the Upgrade Visa® with cash rewards gives you a path to access more spending power than many other credit cards. If you’re working to rebuild your credit after a rough patch, this card can help you on your financial journey.

The Upgrade Visa® is available with APRs from 8.99 to 29.99%. Your APR may be adjusted once you have an open account, depending on your credit score and usage history at the time.

There are no annual fees, maintenance fees, or activation fees associated with this account. 

Upgrade Visa® Card Benefits

The Upgrade Visa® offers many powerful benefits that aren’t usually found in credit cards for consumers with low average credit scores.

  • Very high credit lines up to $25,000 available
  • $0 annual, maintenance, and activation fees
  • APRs as low as 8.99%
  • 1.5% cash rewards on your payments
  • Loan-style structure helps you pay off your purchases quickly
  • Wide-spread acceptance
  • Contactless, tap-to-pay card technology

This robust account is available for users who have average or low credit scores, making the Upgrade Visa® a great tool to manage large purchases while rebuilding your credit. The Upgrade Visa® also reports credit usage to the three major credit bureaus. On-time payments and responsible card usage reflect on your credit score, helping you raise your score each month. The Upgrade Visa® requires automatic payments from some account holders, so this is a great way to automate your credit journey.

Upgrade Visa® Card with Cash Rewards Application

It’s easy to apply for your Upgrade Visa® card. A fast, secure application is available online so you’ll receive a quick response.

The Upgrade Visa® doesn’t require a credit check for your initial application. You can see whether you’ll be approved for an account without a hard inquiry showing up on your credit score. Upgrade Visa® simply asks for some basic information before letting your know your offer. If you’re not approved for this account, or if you don’t like the proposed terms, you can walk away with no risk to your credit history.

Like all credit cards, Upgrade Visa® is federally required to collect some information about you. The application will ask for your name, date of birth, current address, and other details. Upgrade Visa® also verifies your income during the application process.

There is no credit check necessary to see what credit line the Upgrade Visa® offers you, so you can explore this card without impacting your credit history.

Upgrade Visa® Card with Cash Rewards Login

Upgrade Visa® offers convenient online bill pay so you can always stay on top of your account. You can log in online to pay your bills, check your status, track your cashback rewards, and more.

How do I pay my Upgrade Visa® Card?

You can pay your Upgrade Visa® card online through their secure online account portal. Make or schedule an appointment through the safe, easy-to-use website. 

You can also set up automatic billing for your Upgrade Visa®. When you choose automatic payments, Upgrade Visa® will pull your payment from your checking account each month. This helps you stay current on your account, leading to positive credit scores. Some accounts are required to use automatic payments.

How do I check the status of my Upgrade Visa® Card?

Find all the details about your status through your online account access. You can see previous purchases, payment history, cashback rewards, upcoming due dates, and all the other information about your account through the secure Upgrade Visa® website.

Build & Monitor Credit

An Upgrade Visa® cash rewards credit card helps you build your credit thanks to its loan-style features. Your monthly payments are calculated to help you pay off your entire balance within a set amount of time. This system reduces the amount you pay in interest while also reducing the amount of credit you’re using. 

Monthly credit bureau reporting means that your positive financial activity will be reflected on your credit score.

Upgrade Visa® Card with Cash Rewards Customer Service

The Upgrade Visa® offers a friendly customer service line to help you with any questions or concerns about your account. Give the servicing team a call at (844) 899-9931 with any questions.

Apply for the Upgrade Visa® Card Today!

With no annual fee, plenty of flexibility, and unlimited 1.5% cash back on payments, the Upgrade Visa® card can be an attractive option for those looking for similar benefits to some of the best unsecured credit cards available today.

Searching for more credit card ideas? Take a look at popular cards below:

Principal Platinum Merchandise® Credit Card
OpenSky® Credit Card
Surge Mastercard® Credit Card
Reflex Mastercard® Credit Card
Total Visa® Credit Card
Milestone Gold Mastercard®
Grand Reserve™ World Mastercard®: A Wine Credit Card Worth a Review
Horizon Gold Credit Card
First Progress Credit Card

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