Upgrade Visa® Card with Cash Rewards: Combining Benefits Of A Credit Card And Personal Loan

For those who frequently make big purchases or make a purchase everyday, Upgrade offers the Upgrade Visa Credit Card, featuring a welcome offer of 1.5% Cash Back On Everything every time you make a payment. The best combo is to combine the flexibility of this card with the low cost and predictability of a loan.

This card has a whole host of features for the modern day card user such as no touch payments with contactless technology, access to virtual cards when you receive your physical card in the mail, mobile access and more! Continue reading our review to learn more about the card.

Compare the Upgrade Visa card with other credit cards from Chase, Capital One, Wells Fargo, Citi, American Express, and more!

(Visit Upgrade to learn more about this card.)

Upgrade Visa Credit Card Summary

Editor’s Alternate Pick

The Chase Freedom Unlimited® Card offers a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. Earn unlimited 1.5% cash back on all purchases. In addition, you can earn: • 5% on travel purchased through Chase, • 3% on dining at restaurants and drugstores, and • Unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Learn More About This Card

Bottom Line

For cardholders who have a tough time keeping credit card balances under control or worry about the risks of opening a new credit card, the Upgrade Card is a great option for you to help finance purchases while keeping payments manageable.

They also offer a unique cash back rewards system that should give you an extra push to make your payments on time, if this isn’t for you, take a look at the alternative options above or our full list of the best credit card bonuses to find out which one is the best for you.

(Visit Upgrade to learn more about this card.)

The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

Who’s the Competition?

You should consider a general cash back card that isn’t tied to any airline or hotel. There are several with a similar annual fee to the Upgrade Visa Credit Card.

Consider the Capital One Venture Rewards Card, Chase Freedom Flex and American Express Cash Magnet Card.

The Capital One Venture Rewards Credit Card offers 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months. You're able to earn 2X miles on every purchase, every day. This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre?®. Learn More About This Card

The Chase Freedom FlexSM offers a $200 bonus after you spend $500 on purchases in your first 3 months from account opening. You'll earn: • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. • 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases. You cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. You'll be able to new 5% categories each quarter! This card has no annual fee. Learn More About This Card Here

The American Express Cash Magnet® Card offers $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. You'll earn unlimited 1.5% Cash Back on your purchases; your cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. The card has no annual fee. (See Rates & Fees). Learn More About This Card