Card Review & Application
Upgrade Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
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| Introductory APR: | N/A* |
| Introductory Period: | N/A |
| APR on Purchases: | 14.99% - 29.99% * |
| Annual Fee: | $0* |
| Card Issuer: | Cross River Bank |
| Card Network: | VISA® |
| Card Category: | Consumer (Premium) |
| Card Type: | - High Credit Limit - Low Interest Rate - Reward Card |
| Credit Needed: | Fair* |
See Upgrade Cash Rewards Visa application page for other features, benefits, and fees.
The review prepared by CreditCardsCo™. 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: | *Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers. **Not available in DC, IA, WV, WI, GA, MA ***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 after the necessary verifications have been cleared. The funds' availability depends on how quickly your bank processes the transaction. Funds should be available from approval 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: | $25,000 |
| Late Payment Fee: | See Terms* |
| Balance Transfer: | No |
| Transfer Fee (%): | 5.00% |
| Opening Minimum: | $0.00 |
| Application Fee: | $0.00 |
| ATM Fee: | $0.00 |
| Additional Fees | Foreign Transaction Fee: Up to 3% Return Payment Fee: $0 Late Payment Fee: May apply |
| Apply Now |
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* The information provided for Upgrade Cash Rewards Visa® is believed to be accurate at the time of evaluation (Jul 6, 2025). 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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