The Upgrade combines the flexibility of a credit card with the low-cost predictability of a personal loan. Credit lines range from $500 to $25,000, and some consumers may qualify for up to $50,000. Regular Purchase APR ranges between 14.99% - 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.
  • $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
  • Enjoy peace of mind with $0 Fraud Liability
Upgrade Cash Rewards Visa® Upgrade Cash Rewards Visa® Apply
Card Issued by Cross River Bank

The Upgrade Cash Rewards Visa® Review



This card is The Premium Consumer card
Card Details
  • - Network: VISA®
  • - Issuer: Cross River Bank
  • - Type: Low Interest Rate, High Credit Limit
Rate this Card!
total votes: 14
Rewards Bonus$200 bonus rewards
Rewards UnitCash
Rewards
  • 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 (%) 14.99% - 29.99% *
Grace Period N/A
Fees
  • - Balance transfer fee: 5%
  • - Late payment fee: $0
  • - Foreign Transaction Fee: Up to 3%
  • - Return Payment Fee: $0
Special Notes *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(r) 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.

**Not available in DC, IA, WV, WI.

***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 Cross River Bank's secure site.

*The review is prepared by CreditDad.com 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.