The Upgrade combines the flexibility of a credit card with the low-cost predictability of a personal loan. Credit lines range from $500 to $20,000, and some consumers may qualify for up to $50,000. Regular Purchase APR ranges between 6.49% - 29.99%. Attractive to consumers looking for a smarter way to use credit: from those looking to build credit or to established prime consumers looking to make major purchases.
  • 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 card with the low cost and predictability of a loan
  • $0 fees: $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
Upgrade Cash Rewards Visa® Upgrade Cash Rewards Visa® Apply Now
Card Issued by Sutton Bank

The Upgrade Cash Rewards Visa® Review

This card is The Premium Consumer card
Card Details
  • - Network: VISA®
  • - Issuer: Sutton Bank
  • - Type: Low Interest Rate, No Foreign Transaction Fee, High Credit Limit, Pre-Qualification
Rate this Card!
total votes: 13
Rewards Bonus$200 bonus rewards
Rewards UnitCash
  • 1.5% unlimited cash back on card purchases every time you make a payment
  • $200 bonus cash rewards
Annual Fee $0*
Credit Needed Fair*
Credit Reporting Yes*
Intro APR (%) N/A
Intro Period N/A
Regular APR (%) 8.99% - 29.99% *
Grace Period N/A
  • - Balance transfer fee: 0%
  • - Late payment fee: $0
  • - Foreign Transaction Fee: $0
  • - Return Payment Fee: $0
Special Notes *Offer is NOT available for Iowa, Wisconsin, Washington, D.C., and West Virginia residents.

**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.

Other Benefits

    *See Terms and Conditions for other benefits

at Sutton Bank's secure site.

*The review is prepared by staff. Opinions expressed therein are solely those of the reviewer. Card rates, fees and other information presented is believed to be accurate at the time of the evaluation. We strongly advise you review the fees, terms and conditions of the offer prior to applying for the product.