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Upgrade Triple 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.*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- 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
| Intro Balance Transfer APR | Intro Purchase APR | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| N/A | N/A | 14.99% - 29.99% APR | $0 | Fair, Good, Excellent |
Offer Details
59 Product Reviews
This is a personal line of credit, not a credit card
1 month agoI applied for this but was declined. I will still give a good review because the product seems sound. A lot of people are expecting this to work like a credit card. (Charge something, pay money, receive credit limit back. That is not how it works with line of credits. Always read the fine print.
Stay Away
1 month agoI received my card with a $6000 Line of credit. I never used it because it was for emergencies. One day I get an email saying my limit had been dropped to $500 because of my credit score. Seven months laster I get an email stating the the account was closed due to too many credit inquiries. I was trying to get a loan through them! I called and they wouldn't even talk with me. They just said to go to documents in the mobile app. I asked questions and they hung up on me.
Stay Far Away
3 months agoDisregard all of the positive approval notions toward this company. They gave me over $3500 line of credit. Once I started making payments over time, credit line reduced. This made my utilization skyrocket. No notice given. Stay away.
Great to have in case of emergency.
5 months agoThis card is a personal loan with benefit of being used as a credit card. REMEMBER this is a loan. Like the other comments it’s vital to keep usage 30% or less. I have messed up my credit in the past for being careless. I now have the chance to rebuild it again. Upgrade gave me a chance and I will not disappoint them. Thanks Upgrade!
Not understanding this company
6 months agoI can get approved for personal loans and my score is over 700 but I get denied for their card I don't understand
beware
6 months agoWere they for me when I needed it? absolutely. Beyond that, they've been nothing but a headache. I received 2 $5k limit cards 2 yrs ago, used a portion on each, and set up autopay. Been working on paying down debt, improving my score. Other cards are opening more on my limits and these guys keep "periodically (every 3 mo.) reviewing my credit" and lowering my limit to remove ALL progress on usage % that I make so that I am back to 100% utilization with them. Just know what you're in for!!
great company
10 months agono negative feedback here..i had a $12000 and a $1500 ..no annual fees ..i can use these cards as a personal line of credit as well as a credit card...awesome..
Great Card
1 year agoAll these negative comments majority not knowing it’s a loan it’s because they didn’t read the fine print . I was approved for 10k and I keep my usage under 30% had card for a year now and no issues what so ever
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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 on the “Apply Now” button, 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.
