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Upgrade Credit Card Review

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Reviews 30,713

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Katy Ward
Katy Ward
May. 03, 20214 min read

Upgrade Visa® Card with Cash Rewards2 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 8.99% and 29.99%.

Pros

  • No monthly fees
  • Compatible with Google Pay and Apple Pay
  • Multiple reward and cashback options

Cons

  • ATM cash withdrawals not yet available
  • Does not offer 24/7 phone support
Upgrade Visa® Card with Cash Rewards2at a glance
4.8

Editorial score

Fees

No fees

5.0

Eligibility (credit score)

Accepts all credit types

5.0

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 Visa® Card with Cash Rewards2 Upgrade Visa® Card with Cash Rewards2 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 opening 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
  • Wecome Bonus: Earn $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 8.99% - 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 Visa® Card with Cash Rewards2 Upgrade Visa® Card with Cash Rewards2 Visit Upgrade

Methodology

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

Disclaimer

"Upgrade Visa® Card with Cash Rewards" and "Upgrade Triple Cash Rewards Visa®":

* To qualify for the $200 welcome bonus, you must open and fund a new 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.

"Upgrade Bitcoin Rewards Visa®":

* To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. 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 Visa® Card with Cash Rewards2
Upgrade Visa® Card with Cash Rewards2
ExcellentReviews 30,713
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Trustpilot reviews

See what some costumers are saying about Upgrade Visa® Card with Cash Rewards2
Upgrade Visa® Card with Cash Rewards2
ExcellentReviews 30,713
on
Excellent
82%
Great
11%
Average
3%
Poor
1%
Bad
3%
  • author
    A.H.
    17 hours ago
    Straight to the point.

    I will highly recommend upgrade, why, cause they application is straight to the point, meaning no unnecessary questions and fast response time.

    ...

  • author
    Dennis Aliff
    17 hours ago
    I am still in application phase

    I am still in application phase. I have a landline phone and I keep getting a e-mail to verify it with a text. Other than that I think it is going alright.

    ...

  • author
    billy stovall
    19 hours ago
    Great service

    Great service. Took a little longer than thought but i understand they needed all info. Check stubs,w-2, etc

    ...

  • author
    PLACIDO BOUZA
    20 hours ago
    Excelente Services

    Excelente Services, fast @ furious,, very professional

    ...

  • author
    Dawn Church
    20 hours ago
    Quick response

    Quick response

    ...

  • author
    Ervin
    20 hours ago
    Completely satisfied with great service

    Completely satisfied with great service

    ...

  • author
    Stephen Lydick
    21 hours ago
    Very easy communication

    Very easy communication. Sending documents.

    ...

  • author
    John w Smith
    a day ago
    Nice and quick

    Nice and quick. . Customer service great

    ...

  • author
    Vonda Williams
    a day ago
    Process was very quick and easy..so far…

    Process was very quick and easy..so far very pleased

    ...

  • author
    Mary Beth Smith
    a day ago
    At a time when people don’t seem to…

    At a time when people don’t seem to care about one another, my experience with precious was truly a breath of fresh air. She was pleasant and beyond helpful. Many thanks to her.

    ...

  • author
    Justin DeVall
    a day ago
    I have no complaints you’ve been great…

    I have no complaints you’ve been great to work with

    ...

  • author
    Ed H.
    a day ago
    Quick service

    It Was relatively quick and easy to obtain a loan and get access to the funds. I would do business with upgrade again.

    ...

  • author
    Kofi A
    a day ago
    The upgrade card application process is…

    The upgrade card application process is simple and I got a quick response. Kudos to the upgrade team.

    ...

  • author
    Rusty Shackleford
    a day ago
    Horrible customer service

    The customer service lady that I talked to was hard to understand and did nothing to work with me. She kept asking for a credible phone number to contact me on and all of the phone numbers were for phones that I do not have access to. She told me she is going to deny me my application if I do not have access to a separate phone number. She would not work with me to find a solution. I’m super dissatisfied and unsatisfied with Upgrade. Do better to work with your customers.

    ...

  • author
    Philip Pantalo
    a day ago
    Great

    It easy no problem thks

    ...

  • author
    JAC
    a day ago
    Easy process

    I applied for a loan and was approved for a line of credit. The process was easy and straight forward. No drama.

    ...

  • author
    Brandon Johnson
    a day ago
    I love it because it is very helpful to…

    I love it because it is very helpful to use while helping build my credit even more.

    ...

  • author
    Carla Ingram
    a day ago
    Upgrade has been very easy to use and…

    Upgrade has been very easy to use and answered all my questions in a timely manner. I am very satisfied with their service.

    ...

  • author
    Vincent Patton
    a day ago
    Great resource for funds needed

    This is a great resource when funds are needed. Easy to navigate and receive funds. Would love to work for you. Please review my application!

    ...

  • author
    Michael Vigliotti
    a day ago
    Wrote 10 bad reviews

    Wrote 10 bad reviews. Never were able to retrieve them. Dont work with incompetent company a bunch of liars.

    ...

  • author
    PCK
    a day ago
    Hassle-free process

    Hassle-free process. Applied online and the process took only few days to hear from upgrade that I was approved

    ...

  • author
    Charles Clements
    a day ago
    Start Up Experience

    Very informative and courteous advisers and although confusing the way the accounts work still, it looks like a good decision to be part of the program!

    ...

  • author
    Jimbo
    a day ago
    Everyone was very helpful and got us…

    Everyone was very helpful and got us thru the process very quickly

    ...

  • author
    ISABEL RAMIREZ
    a day ago
    Great customer service

    Great customer service

    ...

  • author
    David Clark
    a day ago
    So far everything has been straight…

    So far everything has been straight forward just a little hazy on how the to get the $400 reward from the checking account please send me more information about it thank you

    ...

  • author
    Chris Jackson
    2 days ago
    Thank you

    Best system thanks its a great card

    ...

  • author
    Robin Reed
    2 days ago
    I completed a form of requested…

    I completed a form of requested information for a card and it was approved.

    ...

  • author
    Nancy Mitchell
    2 days ago
    Personal loans

    Very fast and easy. These people really give you a chance and believe in you!

    ...

  • author
    Daisy Reyes
    2 days ago
    Best customer service

    Best customer service. Help me with ease when I had an issue using my card

    ...

  • author
    Michael Romine
    2 days ago
    Okeydoke

    No thanks for the card

    ...

  • author
    John Cox
    2 days ago
    Took away my credit limit with no…

    Took away my credit limit with no warning and good reason. (incorrect reporting) Sketchy business operations. Consumer Beware on this one.

    ...

  • author
    Patsy Mason
    2 days ago
    Awesome service

    Awesome service! So glad I was told about it!

    ...

  • author
    ARTHA SHINE
    2 days ago
    Prompt courteous service and friendly…

    Prompt courteous service and friendly service.

    ...

  • author
    Tina Rock
    2 days ago
    I have no complaints

    I have no complaints, upgrade has been a blessing!!

    ...

  • author
    Brandon Smith
    2 days ago
    Easy application process/approval

    Easy application process. Grateful for the generous credit line and ability to draw to deposit into my checking account.

    ...

  • author
    JERI CARR-BENSON (HUNTER)
    2 days ago
    Fast and Efficient

    Fast - efficient and had my answer within moments. Thank you.

    ...

  • author
    VICTOR CASTRO
    2 days ago
    Was a very easy process and great…

    Was a very easy process and great customer service

    ...

  • author
    Brenda L.
    2 days ago
    Very easy and quick service

    This has been the quickest and easiest process that I’ve ever experienced when it comes to applying and getting results. Will use them again in a heartbeat.

    ...

  • author
    Joseph R
    2 days ago
    Difficult and time consuming process…

    Difficult and time consuming process for a credit card. Already approved for the personal loan just 3 weeks earlier, but had to go through the entire invasive process of verifying income and bank accounts by phone again just for a credit card. I should have immediate approval. Don't have to do any of this when applying for other credit cards with the same credit line. A total waste of time.

    ...

  • author
    Norma Ponce
    2 days ago
    I’m really happy with my card thank …

    I’m really happy with my card thank you upgrade

    ...

  • author
    Marty
    2 days ago
    Amazing experience

    My experience with Upgrade was much easier than I expected! I was able to complete 3 separate applications within about 3 days. I now have a new credit card, checking account, and a personal loan in my credit arsenal. I even received a phone call from a team member named Daniel concerning a step I missed during my loan approval process. I would have never realized the error existed without his assistance. Upgrade covered all the bases for me, and I appreciate having the opportunity to bank with a lender with outstanding customer service and a variety of reasonable offers and options. Thanks Upgrade!!! Marty H.

    ...

  • author
    J Mills
    2 days ago
    Fast and easy!

    Great customer service. Great company, fast response. Fast and easy application process, fast and easy approval. Would highly recommend.

    ...

  • author
    Demetrice Jenkins
    2 days ago
    It was good dealing with upgrades

    It was good dealing with upgrades

    ...

  • author
    Donald Wilkins
    2 days ago
    Good customer review

    Good experience

    ...

  • author
    Brian O'Neill
    2 days ago
    My first experience with Upgrade was…

    My first experience with Upgrade was very professional and expedient. I had a small emergency and requested some cash to my banking account. The funds were available the next morning. Thank you.

    ...

  • author
    jeffrey mcfarland
    2 days ago
    Very quick and easy to apply

    Very quick and easy to apply, and approval was also quick. Great way to get a boost in credit.

    ...

  • author
    maurice conner
    2 days ago
    great service and very easy application…

    great service and very easy application process

    ...

  • author
    Dexter Shambley
    2 days ago
    Very surprised at the outcome for…

    Very surprised at the outcome for additional monies. The granting of credit could not have come at a better time since my car was damaged. I needed the $500 for the deductible to pay for the auto damage. An opportunity to further build my credit rating.

    ...

  • author
    William Back
    2 days ago
    Upgrade card setup

    Results were very good. Account setup was easy.

    ...

  • author
    Terry
    2 days ago
    The whole process was easy and quick.

    The whole process was easy and quick.

    ...

  • author
    Cedric Smith
    2 days ago
    Applying for products is simple

    Applying for products is simple, smooth and transparent!

    ...

  • author
    Beatrix Trossen
    2 days ago
    Amazing experience

    Amazing experience! Quick process, minimal data input, friendly, helpful person on the phone, fair pricing and offers based on what is possible for each individual Debtor to manage. I like the idea that I don’t have to take the whole amour but if needed it can be used as cash to pay off other high interest debts on cards or loans. I don’t plan to use it to its max, just enjoy the comfort that it is available when needed. Cheers! I like it so far!

    ...

  • author
    M. M.
    2 days ago
    Easiest Loan Process Ever!

    The loan application was easy, the communication during the review process of my loan was extremely efficient and funding went smoothly. The professionalism by Upgrade was outstanding.

    ...

  • author
    Sterling Vaught
    3 days ago
    Not to good

    Had bad experience so far hoping for better in the future

    ...

  • author
    Yvette Cotton
    3 days ago
    Very easy and quick process

    Very easy and quick process. The website is simple and easy to navigate through.

    ...

  • author
    lisa
    3 days ago
    Upgrade has given me peace of mind

    Upgrade has given me peace of mind, ease of the account at my fingertips, knowing they stand behind you and guide you with all the important information needed to choose whats beneficial to me.

    ...

  • author
    LINDA MANGYIK
    3 days ago
    People explained everything and helped…

    People explained everything and helped in every way

    ...

  • author
    Reymundo Aguilar
    3 days ago
    I called with a question regarding my…

    I called with a question regarding my payment and was given the information I needed.

    ...

  • author
    Shawn Wildoner
    3 days ago
    Excellent

    Excellent fast service

    ...

  • author
    Roman Barr
    3 days ago
    Easy to apply

    Easy to apply. Quick approval.

    ...

  • author
    LR
    3 days ago
    It was a quick and smooth process.

    It was a quick and smooth process.

    ...

  • author
    Anthony Carter
    3 days ago
    Quick review and approval process!

    Quick review and approval process!

    ...

  • author
    Jason Savoie
    3 days ago
    The application process was easy and…

    The application process was easy and fast. I have another upgrade card that gives me bitcoin rewards. Everything has been awesome!!

    ...

  • author
    Alice Evenson
    3 days ago
    I only have good things the are nice…

    I only have good things the are nice and friendly

    ...

  • author
    DARRICK WALLACE
    3 days ago
    Wonderful

    Wonderful, minus declining of the card trying to get gas. But i understand because I used it In multiple places today

    ...

  • author
    William
    3 days ago
    I think Upgrade is one of the best…

    I think Upgrade is one of the best financial company in the US if not the absolute best. I love doing business with them

    ...

  • author
    HOWARD MILLS
    3 days ago
    It was ok but could be better.

    It was ok but could be better.

    ...

  • author
    Selena Collins
    3 days ago
    The credit card was easy to apply for…

    The credit card was easy to apply for and came quickly

    ...

  • author
    Rosalind Queen
    3 days ago
    Once application was completed it did…

    Once application was completed it did take longer than expected to receive any requested money. Once I called CS it was completed during the phone call. However to date I have not received my credit card, otherwise it’s still a little early for a complete review.

    ...

  • author
    WILLIAM COUGHLIN
    3 days ago
    Credit crooks

    Not at all happy with this experience. You keep sending more things for me to do every day after the initial application. And then want my bank account on file that’s not how credit cards work . I’m not even wasting my time. You can cancel my card .

    ...

  • author
    DEBORAH ATKINS
    3 days ago
    Process was excellent and easy

    Process was excellent and easy

    ...

  • author
    LEO SZCZUTKOWSKI
    3 days ago
    Upgrade made everything so simple

    Upgrade made everything so simple, and everything was a quick turnaround. Couldn't be happier with doing business with Upgrade.

    ...

  • author
    Mike Ruoho
    3 days ago
    Terrible company

    Terrible company. Lies and deceit I make over 100k per year owning 7 restaurants and I was denied a 10k loan over 2 years. A joke of an establishment

    ...

  • author
    GEROL CHARACTER
    3 days ago
    Excellent service

    Excellent service

    ...

  • author
    Cinda Holsinger
    3 days ago
    Love this account

    Love this account. The cash back has been great, easy to deposit into and the additional credit lines have been a lifesaver.

    ...

  • author
    George Berry
    3 days ago
    A very smooth hassle free transaction…

    A very smooth hassle free transaction that offered more in the end than I asked for....highly recommend!

    ...

  • author
    Maria Cancellieri
    3 days ago
    It was very easy to apply for a …

    It was very easy to apply for a loan. Friendly

    ...

  • author
    Carolyne Tait
    4 days ago
    Very easy to go through

    Very easy to go through, just not sure of final credit card details.

    ...

  • author
    Jim Carlton III
    4 days ago
    Still no money...

    I was approved for a credit card refinance loan on 6/22. In 30 minutes from now, it will be 7/1. I still have not received my money, and even worse, my actual bank claims they have not received anything for verification yet. Customer support provides no help and only provides generic, copy-paste responses. I am beyond frustrated right now.

    ...

  • author
    Kaylene Browning
    4 days ago
    I am fascinated by the velocity of the…

    I am fascinated by the velocity of the approval of the credit card by this card company. Awesome!

    ...

  • author
    Matthew Cornelius
    4 days ago
    Very easy to apply and informative

    Very easy to apply and informative

    ...

  • author
    ELIANA R.
    4 days ago
    It was quick and very easy!

    It was quick and very easy!

    ...

  • author
    Nancy A Eaton
    4 days ago
    Keep getting email wanting my bank…

    Keep getting email wanting my bank information.I do not want autopay

    ...

  • author
    William (Bill) Hammond
    4 days ago
    Upgrade: The Best Choice

    Upgrade is convenient,fast, professional and reliable. I have multiple accounts with them deliberately. Great service! Great rates! Great website with good use of technology.

    ...

  • author
    Kevin Sanders
    4 days ago
    My experience has been great

    My experience has been great! Loved how I was able to use my card before I got it in mail.

    ...

  • author
    David Bibby
    4 days ago
    The process was very simple and fast

    The process was very simple and fast

    ...

  • author
    Leslye Wolrauch
    4 days ago
    I haven’t received my card yet but I am…

    I haven’t received my card yet but I am really happy

    ...

  • author
    WILLIAM GABRIEL
    4 days ago
    Account Issues

    Had several issues pertaining to my account- talked to three different customer representatives - all very professional and courteous and resolved all issues to my satisfaction.

    ...

  • author
    Erick Vargas
    4 days ago
    Talking to Eric the customer service…

    Talking to Eric the customer service agent was simple and painless. He was able to help me solve my issue. I was very satisfied with my experience

    ...

  • author
    AKing
    4 days ago
    Quick process and quick funding

    Quick process and quick funding, professional

    ...

  • author
    joe radzierez
    4 days ago
    Very easy to deal with and very helpful

    Very easy to deal with and very helpful

    ...

  • author
    Marsha
    4 days ago
    I feel this company is not up front and…

    I feel this company is not up front and transparent as a company I want to do business with

    ...

  • author
    Ricky Velasquez
    4 days ago
    Satisfaction

    Upgrade has been very professional and quick in helping me in my needs. Thank you so much for your politeness and professionalism.

    ...

  • author
    Katrina Whatley
    4 days ago
    Right on time

    Upgrade helped me save over $2000 in interest on another loan that I had. I applied for Upgrade on a Thursday night about a month ago and the funds were in my account pending that Saturday morning. I will be making my first payment on July 3, 2022. Not on was I able to get a loan, Upgrade also approved me for a line of credit and now I have the line of credit for emergencies that may arise. Thanks Upgrade

    ...

  • author
    Moh Ash
    4 days ago
    Great company

    Short time processing and effective

    ...

  • author
    Joshua Crabtree
    4 days ago
    Easy as 123

    Easy as 123, excellent service, enjoyable experience, quick, courteous & kind. I highly recommend Upgrade to any and all.

    ...

  • author
    C Ames
    Jun 30, 2022
    Very Helpful

    I appreciate the ease of the online application as well as the financial tools available for my use. Full disclosure of the process and costs was very important and I appreciate the transparency. It was very easy to use and very helpful in a time of need.

    ...

  • author
    jon
    Jun 30, 2022
    company is a joke!!

    company is a joke!!

    ...

  • author
    Jeffrey O'Keefe
    Jun 30, 2022
    I was very impressed with the process…

    I was very impressed with the process used by UPGRADE to facilitate my request and I felt like the people handling the application wanted to assist me, and were patient soul's. I would not hesitate to recommend them to everyone !

    ...

  • author
    Sandra Boyd
    Jun 30, 2022
    I instantly approve for a credit card

    I instantly approve for a credit card. No log wait at all. I receive the rates as well. Very good deal.

    ...

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