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Upgrade Credit Card Review

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Reviews 36,618

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Katy Ward
Katy Ward
Oct. 03, 20224 min read

Upgrade Triple Cash Reward Visa® summary

Online lending platform Upgrade, founded in 2017, offers the Upgrade Card, which acts as a hybrid between a credit card and a personal loan. It allows borrowers to make charges as they would on a credit card while making monthly repayments at a fixed amount, just like with a personal loan. Borrowers won’t have to pay any monthly fees and will receive an APR of between 14.99% and 29.99%.

Pros

  • Unlimited 3.5% cash back on health, auto, and home spending
  • No annual fee

Cons

  • APRs can be high
  • Can't use card at ATMs
Upgrade Triple Cash Reward Visa®at a glance
4.6

Editorial score

Fees

No fees

5.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

5.0

Customer service

Multiple communication options, wide range of hours

4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

5.0

Upgrade Triple Cash Reward Visa® Upgrade Triple Cash Reward Visa® Visit Upgrade

Overview

The Upgrade Card is designed to combine the flexibility of a credit card with the stability of a personal loan. Although the lender uses the umbrella term of Upgrade Card, there are 4 card types available: Cash Rewards, Triple Cash Rewards, Bitcoin Rewards, and Upgrade Card. The most suitable card for you will depend on the type of rewards you’d like to earn, as well as your credit profile. See below for more details on rewards and cashback.

You can use your card at participating retail locations or have the funds sent directly to your bank account. Once you begin making transactions, you can pay down balances in equal amounts at a fixed rate each month.

Suitable for?

The fixed monthly repayments and multiple card options could make Upgrade a good choice for those on a strict budget who want a tailored financial solution. The Upgrade Card is specially geared towards borrowers seeking to improve their credit scores.

With the Bitcoin Rewards card offering 1.5% back in Bitcoin on payments, this could be a strong match for those interested in cutting-edge financial technologies. 

The Cash Rewards card, offering 1.5% rewards on all purchases, may work for borrowers who spread their spending. Likewise, the Triple Cash Rewards Card could suit those who purchase more in the home, auto, and health categories, thanks to unlimited 3% cashback in these areas.

Upgrade also offers a $200 welcome bonus after offering a Rewards Checking account and making 3 debit card transactions.*

The recent launch of an Upgrade app could also make the platform attractive to digitally savvy customers who prefer to manage their finances on the go.

Interest Rates & Fees 

All 4 card types under the Upgrade Card umbrella are fee-free, which is one of the product’s most attractive features.

It’s also worth noting that you’ll be subject to a 1.5% transaction fee on the sale of Bitcoin via the Bitcoin Rewards card, which will be deducted from the proceeds of your sale.

Rewards & Cashback

The Upgrade Card has 4 versions, with 3 of these offering rewards.

  • Cash Rewards: unlimited 1.5% cashback on payments
  • Triple Cash Rewards: unlimited 3% cashback on payments from the home, auto, and health categories and 1% on other purchases
  • Bitcoin Rewards: unlimited 1.5% back in Bitcoin on payments
  • Welcome Bonus: Earn a $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.*

The above card types are available to those with an average to excellent credit score. If your score is lower, you could qualify for the Upgrade Card, but this doesn’t offer any rewards.

The Application Process

To start the application process, you’ll need to enter information such as your name, address, Social Security number, and income before creating an account with Upgrade.

Based on this information, the lender will determine the amount of credit available to you. While Upgrade states its lines of credit are typically below $25,000, it is possible to borrow up to $50,000.

Upgrade will perform a soft search on your credit history to determine how much you are eligible to borrow, but this won't affect your future credit score. If accepted, your APR will depend on factors such as your credit profile, credit usage, and the amount you have requested.

Once your application has been approved, you should receive your card within 7 to 10 business days.

Help & Support

You can contact Upgrade via phone, email, or social media. Its phone support hours are 6 am to 6 pm (PT), Monday to Friday, and 6 am to 5 pm (PT) on Saturday and Sunday. 

Security

If you apply for one of its products, Upgrade will request your personal and banking details and will then verify this information to check your credit score. However, it will not share your personal details with any third party other than its partner banks. Full details of Upgrade’s security policy are available online.

Upgrade’s cloud infrastructure, which is provided by a third party, is encrypted to protect customer data and the lender’s services are SOC1, SOC2, and SOC3 compliant—a standard of data security set by the American Institute of CPAs.

In addition to using a firewall, intrusion detection systems, malware detection systems, and data loss prevention systems to protect against fraud, Upgrade carries out vulnerability scans and ensures none of its employees have access to your password. Furthermore, all of Upgrade’s customer-facing services carry an SSL (Secure Socket Layer) certificate.

FAQ

Can I use my Upgrade Card with my phone or device?

Yes, you can add your card to Apple Pay or Google Pay and pay with your card at participating retailers.

Can I use my Upgrade card at an ATM?

No, this feature is not currently available.

How do I make my first draw?

Once you log in to your account, you can request a specific draw amount from the dashboard.

Does Upgrade have an app?

Yes, it recently launched the first version of its mobile app, which enables you to view and update your account on the go.

Conclusion

If you’re looking to avoid hefty fees on your borrowing, taking out a line of credit with Upgrade could prove an attractive option. As well as offering the security of fixed monthly repayments, you could qualify for generous rewards. The company’s APRs range from 14.99% - 29.99%

, which could make it a more expensive option at the latter end of the spectrum. For many customers, the biggest challenge may be understanding the lender’s hybrid model. However, once you get to grips with it, the Upgrade account is extremely easy to manage.


Upgrade Triple Cash Reward Visa® Upgrade Triple Cash Reward Visa® Visit Upgrade

Methodology

This review was compiled using information on Upgrade’s website and by contacting its customer service team via email.

Disclaimer

* To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Upgrade Triple Cash Reward Visa®
Upgrade Triple Cash Reward Visa®
ExcellentReviews 36,618
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Trustpilot reviews

See what some costumers are saying about Upgrade Triple Cash Reward Visa®
Upgrade Triple Cash Reward Visa®
ExcellentReviews 36,618
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    Dakota
    9 hours ago
    Everything was very easy to set up

    Everything was very easy to set up. Loan amounts were quickly approved and dispersed. I'm very happy with everything thus far

    ...

  • author
    Curt Norris
    13 hours ago
    First time using,good experience.will…

    First time using,good experience.will definitely use again.

    ...

  • author
    Dana Burgard
    13 hours ago
    Quick and easy process

    Quick and easy process

    ...

  • author
    STACIE GRANT
    16 hours ago
    This company is great!

    Very pleased!

    ...

  • author
    Anthony Davis
    17 hours ago
    Real fast approval

    Real fast approval

    ...

  • author
    Joseph
    20 hours ago
    It was pretty straightforward and…

    It was pretty straightforward and mostly simple.

    ...

  • author
    Alyssa HUBBARD
    21 hours ago
    Easy and fast

    Easy and fast

    ...

  • author
    Douglas Dimoff
    21 hours ago
    Easy from start to finish

    Easy application process, knowledgeable representatives, fast processing. No hassles

    ...

  • author
    Jared
    a day ago
    Just a very polite kind company and…

    Just a very polite kind company and really know crazy and was really fast and easy and had a very polite person on the phone helping me.

    ...

  • author
    jaqw1968
    a day ago
    Some what back and forth on…

    Some what back and forth on explanations.

    ...

  • author
    Sheyla A.
    a day ago
    Quick process.

    Quick process.

    ...

  • author
    Tobias Johnston
    a day ago
    Too high of interest rate for my credit…

    Too high of interest rate for my credit and payment history.

    ...

  • author
    Rolin Theodore
    a day ago
    It was quick and easy and fast

    It was quick and easy and fast

    ...

  • author
    Darrien Kelly
    a day ago
    It was incredibly easy to navigate and…

    It was incredibly easy to navigate and proceed through the process of opening an account, the e-mail response rate was phenomenal. It was great.

    ...

  • author
    LEARON MAYES
    a day ago
    I thought the entire process was very…

    I thought the entire process was very straight forward and was handled carefully and professionally.

    ...

  • author
    Charles Steele
    a day ago
    So far every time I have called

    So far every time I have called, the person on the phone has been very helpful and polite.

    ...

  • author
    Jeff Hall
    a day ago
    Upgrade is quite simply the RESCUE…

    Upgrade is quite simply the RESCUE SQUAD for life, when “life happens!” I am considering moving absolutely all of my financial needs to the Upgrade platform because they’ve gone above and beyond for me EVERY TIME! Start here, and you’ll save yourself the time, anxiety and frustration of trying to determine if a company is good or average, ethical, innovative, and most of all, GENUINELY cares about YOU!

    ...

  • author
    Ricky Novella
    a day ago
    Very helpful

    Very helpful and great customer service

    ...

  • author
    LAMOR GATENIO
    a day ago
    So easy and stress free.

    So easy and stress free.

    ...

  • author
    Frederick Green
    a day ago
    Upgrade Financial Life …

    Upgrade has started to be a Motivating tool for creating a positive building block for my financial Stability

    ...

  • author
    CARLEEN ALLEN
    a day ago
    Very knowledgeable with the help I…

    Very knowledgeable with the help I needed.

    ...

  • author
    customer
    a day ago
    Very fast

    Very fast , responsive and fair

    ...

  • author
    HEATHER SNOW
    a day ago
    Very Pleasant Transactions

    I have been able to transfer money from my credit line to my primary bank with absolutely no problems. Customer service reps have always been very attentive and were able to do what I asked every time.

    ...

  • author
    Jimmy Moore
    a day ago
    The agents I spoke with were extremely…

    The agents I spoke with were extremely thorough.

    ...

  • author
    Thomas Clay II
    a day ago
    How easy it was to navigate the website…

    How easy it was to navigate the website and to get the information needed to make a decision on moving forward with products and loans

    ...

  • author
    Joshua Kelley
    a day ago
    Cash back offer

    I love the cash back and the debit card that comes with

    ...

  • author
    Larson Medina
    a day ago
    Customer Service is Excellent 👍

    Customer service person Jesus walked me through loan application. Customer service at Upgrade is excellent. I'm an older customer and the service agents were very patient with me.

    ...

  • author
    Michael Coffman
    2 days ago
    Awesome

    The whole youth instead of was easy and it's easy to use

    ...

  • author
    RICKEY DIXON
    2 days ago
    Don't have access to anything yet

    Don't have access to anything yet

    ...

  • author
    Kosol
    2 days ago
    One Card locked multiple times on Black Friday

    The Upgrade product One Card appears to be a great hybrid between a credit card and debit account. Actually more closer to a charge card and debit given the fact that a credit line isn't reported to the credit bureaus. I was immediately sold on the $400 welcoming bonus and rushed to begin using on black Friday. The first charge had no issue. The second charge had my account locked several times. Despite signing in to unlock the unusual activities, I ended up using a different credit card. It was a most unpleasant experience and will likely traumatise me from using Upgrade when around a lot of people. I would recommend updating your algorithm so that when customers sign in to confirm unusual purchases or other irregular activities that Upgrade actually unlocks. I understand using the virtual card for a new account could have triggered these unusual patterns but there is no alert or message from Upgrade that would suggest the virtual card had limited utility.

    ...

  • author
    Matsu
    2 days ago
    HAWAII IS HAPPY MAHALOS🤙🤙🤙

    My experience was very satisfying, the staff at Ugrade is very very helpful, patient and understanding they walked me thru times when I didn’t quite understand how it supposed to be done,I’m a very happy customer MAHALO TO ALL THE UPGRADE PERSONNEL 🤙🤙🤙🤙🤙

    ...

  • author
    Heather Krey-Puckett
    2 days ago
    Quick and easy online application

    Quick and easy online application, funds distributed quickly also

    ...

  • author
    Daniel Lee
    2 days ago
    Fast

    Found out really fast if I was approved or not

    ...

  • author
    Flora Thomas
    2 days ago
    Consumer service and easy access is…

    Consumer service and easy access is superb.

    ...

  • author
    JACK JONES
    2 days ago
    Very easy to deal with and quick…

    Very easy to deal with and quick approval

    ...

  • author
    Edgar Retana
    2 days ago
    It was quick and easy.

    It was quick and easy.

    ...

  • author
    James Brown
    2 days ago
    Ease of doing business

    Ease of doing business

    ...

  • author
    Mohammad K.
    2 days ago
    Smooth transaction

    It was fast, efficient and professional. In just a few minutes I got a response.

    ...

  • author
    LISA BERRY
    2 days ago
    Great service!

    Great service!

    ...

  • author
    Michael Bell
    2 days ago
    Super easy to start everything

    Super easy to start everything. Very happy with the products offered so far. Looking forward to continuing to learn more about Upgrade.

    ...

  • author
    Kwane Tracey
    2 days ago
    The process was straight forward and…

    The process was straight forward and simple to complete.

    ...

  • author
    Wilma Geter
    2 days ago
    Dependable

    Easy to work with, fast service, and good and friendly customer service.

    ...

  • author
    jaqw1968
    2 days ago
    Wordiness

    Wordiness. Could not tell if line if credit or credit card.

    ...

  • author
    Kassy K jones
    2 days ago
    I haven’t received any information yet…

    I haven’t received any information yet (debit card, ect.).

    ...

  • author
    MELVIN CLEMENTS
    2 days ago
    The Company with a pasion

    This Upgrade company gives you hope for starting a new fresh.

    ...

  • author
    Dennis Glen
    2 days ago
    The staff was tremendously honest and…

    The staff was tremendously honest and helpful

    ...

  • author
    Daniel Vize
    2 days ago
    Great with few workable issues

    I have been pleased with requested service. Everything has been conducted as expected with the exceptions of not identifying the $250 maximum amount allowed for temp card use and continual glitch on app making the One Card information on App entirely unusable as it locks up in cycle as soon as manage account is selected.

    ...

  • author
    ANDREW FINLAY
    2 days ago
    Easy application orocess and great…

    Easy application orocess and great follow-up.

    ...

  • author
    customer
    2 days ago
    It was Fast I would Recommend them to…

    It was Fast I would Recommend them to Friends

    ...

  • author
    Eva Bracey
    2 days ago
    They answered me quickly with the…

    They answered me quickly with the troubles I was having trying to submitting information that I was asked for very professional I appreciate it.

    ...

  • author
    Brian Dougherty
    2 days ago
    Thankful Help you

    Everyone was very helpful

    ...

  • author
    Chelsea Hartley
    2 days ago
    My upgrade

    I like the customer service and my overall experience was great

    ...

  • author
    Cristiana Aleman Huerta
    2 days ago
    Easy and great customer service!

    Easy and great customer service!

    ...

  • author
    LEYLAH
    2 days ago
    I appreciate the fast service

    I appreciate the fast service. And the very clear instructions.

    ...

  • author
    David Cornell
    2 days ago
    I can't even connect a credit union I…

    I can't even connect a credit union I use all the time, which works with EVERYTHING. Waste of a bank.

    ...

  • author
    JAYSON FARDO
    2 days ago
    Very prompt and straightforward

    This company has been prompt and very straight forward with any process that i have gone through. No complains.

    ...

  • author
    jennifer
    2 days ago
    Question respomse

    Excellent service and quick responses. Very friendly

    ...

  • author
    Shemeka Sullivan
    2 days ago
    So Far So Good

    So Far So Good, loving this opportunity to get emergency tasks done.

    ...

  • author
    Myriam shepard
    2 days ago
    Great Company!

    Applying for a loan was very easy, it only took minutes, I did not request a large amount, but I got it with no issues. The money was in my bank within about a day, and my credit card was paid in a couple of days. I am very happy with this company.

    ...

  • author
    Brenda Perkins
    2 days ago
    Suck kindness and knowledge.

    Suck kindness and knowledge.

    ...

  • author
    Debra Ryals
    2 days ago
    Great Customer Service

    Great Customer Service Skills.

    ...

  • author
    Slim
    2 days ago
    Upgrade is such a great company the app…

    Upgrade is such a great company the app is extremely useful and easy to use. I help to manage my finances.

    ...

  • author
    Mark Mercer
    2 days ago
    Happy with web services

    Happy with web services

    ...

  • author
    MsjJo
    2 days ago
    The process was so easy I really didn't…

    The process was so easy I really didn't expect to get what I was given to utilize I appreciate you guys looking at me as I was just as good as people with 700 or so score this will help bring my score up Thank you once again upgrade waiting on my card then I'll get to transferring some money

    ...

  • author
    Andrew Hudock
    2 days ago
    Was easy to set up and also money quick

    Was easy to set up and also money quick

    ...

  • author
    Kendall Garland
    2 days ago
    Just grnerally wondetful so far..

    Just grnerally wondetful so far... Keep up tge good work!

    ...

  • author
    David Formichella
    2 days ago
    The site was easy to use and prompts…

    The site was easy to use and prompts were easy to follow.

    ...

  • author
    Pam Nimox
    2 days ago
    Fast and easy process

    Fast and easy process. Representatives were friendly and helpful. I strongly recommend doing business with this company

    ...

  • author
    Paul Chabak
    2 days ago
    Ease of application process as well as…

    Ease of application process as well as availability of live customer service. Also quickness of funds delivery

    ...

  • author
    Randall Noble
    2 days ago
    Going a little slower than expected but…

    Going a little slower than expected but holidays are reason.

    ...

  • author
    ALISA FLOWERS
    2 days ago
    This is my 2nd Loan with Upgrade & the…

    This is my 2nd Loan with Upgrade & the experience was Amazing as the 1st! Quick & Efficient Process! I would definitely recommend! Outstanding!!!

    ...

  • author
    Jack J
    3 days ago
    In general I am very pleased with the…

    In general I am very pleased with the service you render

    ...

  • author
    Eric Hunt
    3 days ago
    Awesome people

    Awesome people

    ...

  • author
    customer
    3 days ago
    Simple and easy way to get signed up…

    Simple and easy way to get signed up for a new credit card

    ...

  • author
    Coy Smith
    3 days ago
    Im perplexed

    I enjoy working with upgrade, the only fault I have is why does take two days to get money added to my personal account, when I have to pay the money back!

    ...

  • author
    Lamont Muhammad
    3 days ago
    Service was excellent

    Service was excellent

    ...

  • author
    Brittany Wilcox
    3 days ago
    I have had nothing short of an amazing…

    I have had nothing short of an amazing experience with UpGrade.

    ...

  • author
    Anthony Navolio
    3 days ago
    Upgrade card

    Quick to respond and very helpful

    ...

  • author
    David harvey David harvey
    3 days ago
    I'm loving the uses for this card

    I'm loving the uses for this card. The balance transfers, etc...

    ...

  • author
    Eric Stephens
    3 days ago
    Flexible but confusing card on interest…

    Flexible but confusing card on interest rates

    ...

  • author
    Shawn
    3 days ago
    Fast approval with great rates!

    Fast approval with great rates!

    ...

  • author
    albert agyemang
    3 days ago
    The overall process from start to…

    The overall process from start to finish. Offered me other options to pay off some debt and checking/savings account

    ...

  • author
    Jean Thrasher
    3 days ago
    Very easy process!

    Very easy process!

    ...

  • author
    andrea smith
    3 days ago
    Amazing experience great individuals to…

    Amazing experience great individuals to work with.

    ...

  • author
    ANTONIO THOMAS
    3 days ago
    I was told I was approved

    I was told I was approved. Then an email come 20 mins later saying, I was declined. The only reason given was

    ...

  • author
    Wilfredo Quintana
    3 days ago
    Quick way to help and solve your financial problems.

    I completed the whole process in about 10 to 15 min , didn’t have to take a day off work to solve my problems.

    ...

  • author
    Sherman Royal
    3 days ago
    Useful product with multiple options.

    Useful product with multiple options.

    ...

  • author
    Kevin D Askew
    3 days ago
    ..........

    ...........

    ...

  • author
    GEE HWANG
    3 days ago
    spoken to customer service mgr…

    spoken to customer service mgr concerning loan application process,she expedited the process with transparency, great customer service

    ...

  • author
    Nick Meola
    3 days ago
    Good but can be great with a little work!

    You can't beat the 3.5 APY interest. I still think they have some fixing up to do as far as the app and their procedures. It was a pain in the ass to open up my checking account. But overall I'm very happy.

    ...

  • author
    Earl Payne
    3 days ago
    Well I’m new to this bank and i heard…

    Well I’m new to this bank and i heard so many good things about it I had to try out and for now it’s working well .

    ...

  • author
    TEIYANA SMITH
    3 days ago
    Horrible customer service

    Customer service was horrible

    ...

  • author
    PETER BALA
    3 days ago
    Returning customer

    Returning customer. Fast and easy to understand. Best rates and terms.

    ...

  • author
    Tonya Tucker
    3 days ago
    Excellent friendly staff who made the experience easy

    The person I worked with made the process easy and stress free

    ...

  • author
    RODERICK GARNER
    3 days ago
    Financial integrity

    The ease in applying for funds along with the available choices of financial assistance.

    ...

  • author
    Cornelius DeVries
    3 days ago
    Quick answers timely service

    Quick answers timely service. Held my loan when a family emergency prevented me from completing the required information. Jumped back in and provided the information. My loan went to the bank within a week.

    ...

  • author
    Nancy Horning
    3 days ago
    Upgrade is an excellent easy company to…

    Upgrade is an excellent easy company to work with.

    ...

  • author
    HEIDI TALBOTT
    3 days ago
    I have been an Upgrade checking account…

    I have been an Upgrade checking account customer for about a year, when I was aware of credit opportunity I applied. This has been very easy and convenient. 10 stars. Thanks!

    ...

  • author
    Brad Burdick
    3 days ago
    This process was FAST and easy

    This process was FAST and easy. I got a response within 1 day. I am very impressed.

    ...

  • author
    Christine
    3 days ago
    Don't like it 😕 😒 😐 😑 🙄 😪

    Don't like it

    ...

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