Card Review & Application

4.0

out of 5

- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- 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
- $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built-in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- 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



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 14.99% - 29.99% *
Annual Fee: $0*
Card Issuer: Sutton Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - High Credit Limit
- Low Interest Rate
- No Foreign Transaction Fee
- Pre-Qualification
- Reward Card
Credit Needed: Fair*

See Upgrade Cash Rewards Visa application page for other features, benefits, and fees.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Cash Back Rewards
- Universal Rewards
Reward Unit: Cash
Rewards: - 1.5% unlimited cash back on card purchases every time you make a payment
Expiration: None*
Yearly Limit: None*
Other Benefits: *See Terms and Conditions for other benefits
Comments: *Not available in DC, IA, WV, WI, NC, NH, HI.

**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.

***Checking your credit line is free and won't impact your score!

****Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. The availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds should be available within four (4) business days. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 14.99% - 29.99% *
Annual Fee: $0*
Grace Period: N/A*
Min Credit Line: $500
Max Credit Line: $50,000
Late Payment Fee: $0.00*
Balance Transfer: No
Transfer Fee (%): 0.00%
Opening Minimum: $0.00
Application Fee: $0.00
ATM Fee: $0.00
Additional Fees Foreign Transaction Fee: $0
Return Payment Fee: $0
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* The information provided for Upgrade Cash Rewards Visa® is believed to be accurate at the time of evaluation (Nov 30, 2022). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.




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