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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

See Rates and Fees

Upgrade Cash Rewards Visa®

  • Earn a $100 bonus after making $500 in purchases and 3 consecutive on-time monthly payments within the first year after your account is opened.*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Regular APRAnnual FeeCredit Needed
14.99% - 29.99% APR$0Fair, Good

Offer Details

Acceptance Criteria
Credit Needed
Fair, Good
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
14.99% - 29.99% APR
Fees And Charges
Balance Transfer Fee
Up to 5%
Annual Fee
$0
Rewards
Reward Type
cash back

89 Product Reviews

Manny
garbage
4 months ago

this is a trap card if you pay on time and they can't make money off of you. They will cancel the card and give you no reason. So if you're responsible this isn't your card if you pay half your bill a month this was made for you....20% interest

Cassie
Good
5 months ago

Good

Li Reed
Good
5 months ago

Good

Mike
not worth it
5 months ago

Don't bother with this card. it is easy to get the high limit. Had a 4500 limit and after 6 or so months of paying the card on time ( and quick note: they take out interest for every payment you make which I must have not read in the initial starter packet ) the lowered my limit to what I owe. so yeah this card is not worth it but if you do decide please make sure and read everything they send you .

Lisa
Don't waste your time, worthless card.
8 months ago

I had the card for a few months & they offered me a better card, & gave me a $100 promo credit which was applied to avail credit. I was never late & still not able to use the card or benefit from the $100 credit. I received a email that said my card was unavailable withdrawal/use, due to my credit dropping. I called cs & said isn't this card for people w/credit challenges? Why would you suspend a card if my score drops & then you turn around & drop the limit making my score drop. Dumb logic!

Yolanda
Terrible will pay off and not use again
9 months ago

i got a $2000 limit then as i started paying on it they reduced my credit limit to $100 more than the balance owed. When I asked about it with there terrible CS (since I was getting increase limits on my other cards) they said it was due to my credit score dipping). I broke the card in 1/2 will payoff at the beginning of the year and leave the account with a limit and no use.

TiffyB
Keep it as an emergency card but be prepared
10 months ago

A high credit limit is easy to get with this card but CS really needs to stop promoting this predatory company. If you take out a loan more than once/ swipe more than once and try to pay the smaller balance they apply your payment evenly so that you’ll still be making the same monthly payments. I gave 2 stars bc they report on time for monthly payments. However, if you pay off the balance in full be prepared to dispute w/ the credit bureaus 2 months after you pay. Use only for emergencies.

Dianna
Worst card ever
10 months ago

I was originally approved for a $4000 limit and before I could use it my credit limit dropped to $2000. When I called I was told I had recent late payments reported on my credit report. I contacted trans union and they have no record of any delinquency. I used it have been paying on it and it says I have $1100 available credit but my card has been permanently suspended. Something is wrong when I can get credit cards elsewhere. I even paid off my 5 year loan in less than a year

Asa
Strange practice
11 months ago

I was approved for $10,000 and received the card. I never used it and the company kept reducing the limit until it's now $500. I still have no plans to use it and I suppose they will eventually cancel it. Although this comes in the form of a "card" it's really a loan.

Jimmie Oaks
Excellent Card High Limit Build Credit
11 months ago

Upgrade is a great card. Generous limit for my below 650 credit score back then. Their other cards are great to. I have had Upgrade for approximately 2 years. My credit is at a 740 FICO now.

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These responses are not provided, reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts are answered.

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.