Sutton Bank Credit Card Reviews

Best Benefits

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
Great for large purchases with predictable payments you can budget for

Rates & Fees

Regular Purchase APR: 8.99%-29.99% variable based on creditworthiness and the Prime Rate

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Sutton Bank Credit Cards

Sutton Bank is an Ohio-based bank that traces its roots back to 1878. Located in Northern Ohio, between Toledo, Cleveland, and Columbus, Sutton offers a wide variety of banking services and products to its customers, including credit cards. This selection includes the popular Upgrade Card, which the bank issues for Upgrade.

What Is the Upgrade Card?

The Upgrade Visa® Card with Cash Rewards is a unique credit card product issued through Sutton Bank. The card is a combination of a credit card and a personal loan. This distinctive quality makes the Upgrade a flexible option for those who want to consolidate their existing debts and pay them down fast. In addition, the Upgrade Card allows customers to earn unlimited 1.5% cash back on purchases after they make a payment on their billing statement. This gives the card a great deal of flexibility and versatility.

How Does Upgrade Work?

The Upgrade Card from Sutton Bank works by providing a credit line of up to $20,000. That line can then be used to transfer to existing accounts to pay off the balance. Once paid off, the cardholder then simply needs to make their monthly payment and follow their repayment plan of 12, 24, 36, or 60 months. That’s it.

Additionally, the Upgrade is a full-fledged Visa credit card. This means cardholders can also use it to make purchases anywhere Visa is accepted – currently over 93 million locations worldwide!

How Does The Upgrade Card Compare with a Balance Transfer Card?

The Upgrade Card isn’t a balance transfer credit card. Instead, it is a hybrid credit card more akin to a debt consolidation product.

Balance transfer credit cards provide a low APR and an introductory rate. These special rates are usually 0% intro APR of up to 21 months. Typically, however, this intro APR period is around 12 months. While an interest-free introductory period is excellent, once that zero-interest phase ends, balance transfer cards often feature interest rates around 14%.

The Upgrade Card, on the other hand, features a typically APR starting as low as 8.99%. This rate is about 8% lower than the average balance transfer credit card, meaning Upgrade cardholders can pay down balances faster than with a balance transfer card. This, in turn, saves them money.

No Fees – Period

The Upgrade Card is also distinct from other types of credit cards in that it has no hidden fees of any kind. There are no foreign transaction fees, no annual fees, no late fees, and no penalty fees. The card also lacks a penalty APR.

How Much Money Can You Save with the Upgrade Card?

How much money can you save? Versus a traditional credit card, Upgrade Card users save over $14,000 in interest payments on a $10,000 credit card balance. Additionally, Upgrade holders paid off that same $10,000 balance in just two years – by only making the minimum monthly payment. In comparison, traditional credit cardholders needed 28 years to pay down the same balance, only paying the minimum each month.

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