Upgradecard.com Reservation Number

February 1, 2023
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Upgrade Cash Rewards Visa®
  • $200 bonus after opening a Rewards Checking Plus 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
  • 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
  • Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Purchase APR Rate: 14.99% – 29.99% APR – Annual Fee: $0 – Credit Needed: Excellent, Good, Fair, Average – Credit Line: $500 – $25,000 – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3%
Rates & Fees
Upgrade Personal Loan
  • Fixed rates and payments with a clear pay off date.
  • Flexible loan options: explore multiple options and pick the loan amount and term that best fits your budget and timeline.
  • Fast Funding. Money is sent to your bank account within a day of clearing any verifications.**
  • Automatic payments and ability to customize the due date: manage your account online or via the mobile app
  • No prepayment penalties.
  • Access to free credit score monitoring, educational tools, and personalized recommendations to help you understand and make the most of your credit.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. PersLearn More

Purchase APR Rate: 9.99%- 35.99% APR – Credit Needed: Fair, Good, Excellent
Upgrade Triple Cash Rewards Visa®
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • 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
  • Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.

Learn More
Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Purchase APR Rate: 14.99% – 29.99% APR – Annual Fee: $0 – Credit Needed: (620+) Excellent, Good, Fair, Average – Credit Line: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3%
Rates & Fees
Upgrade Select Visa®
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a 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
  • Mobile app to access your account anytime, anywhere

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.

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Purchase APR Rate: 21.96% -29.99% – Annual Fee: $39 – Credit Needed: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 5%
Rates & Fees
Upgrade Life Rewards Visa®
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories, 1% cash back on everything else (Target and Walmart earn 1%)
  • Pay your balance in full early each month and avoid interest with EarlyPay (See the Upgrade site for details.)
  • 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
  • Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.

Learn More
Purchase APR Rate: 14.99% -29.99% – Annual Fee: $0 – Credit Needed: See website for Details* – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3%
Rates & Fees

Where to locate my 15 digit reservation number – Upgrade

If you received a mailer from Upgrade Visa® you will find a 15 digit confirmation code aka pre-approval code. This is the code you would enter on your application. You can usually find this number near the top or bottom of your mail offer. If you do not have your invitation code, that’s OK too, you can still apply without one.

What credit limit will I get with my Upgrade Card?

According to the website, the offer is from $500 up to $25,000 depending on your credit worthiness, income and debts.

How do I get Pre-Approved for an Upgrade Card?

There are several ways to get pre-approved for an Upgrade card. One way is through direct marketing from Upgrade, where they pull a soft inquiry to see if you fit their criteria for pre-approval. Another way is to contact Upgrade directly, you can do this via phone (844)-319-3909 or email at support@upgrade.com. If you have any loans or products through Upgrade, there is a higher chance they might send you offers in the mail.

The Upgrade Visa Credit Card offers a number of benefits, including:

  • Unlimited 1.5% cash back on all purchases. This is a competitive rewards rate for a credit card with no annual fee.
  • No annual fee. This is a great value, as many rewards cards charge annual fees.
  • No late payment fees or penalty APR. This can save you money if you accidentally miss a payment.
  • Fixed rate and term. This makes it easier to budget for your monthly payments and know when you’ll be debt-free.
  • Relatively low credit score requirement. The Upgrade Card is available to applicants with credit scores as low as 580.
  • Reports to all three major credit bureaus. This can help you build your credit history.

In addition to these core benefits, the Upgrade Card also offers a number of other features that may be appealing to some consumers, such as:

  • No security deposit required. This makes it a good option for people with limited credit history or bad credit.
  • Get pre-approved without hurting your credit scores. This is a good way to see if you’re likely to be approved for the card without damaging your credit.
  • Pay down balances at a fixed interest rate with equal monthly payments. This can make it easier to budget for your debt payments and know when you’ll be debt-free.
  • No prepayment penalty. This means you can pay off your balance early without paying a fee.

Overall, the Upgrade Visa Credit Card is a good option for consumers with average or fair credit. It offers a competitive rewards rate, no annual fee, and a number of other features that can make it a good choice for budgeting and building credit.

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