Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Upgrade Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines from $500 to $25,000 in one unique package. The card provides consumers the flexibility and predictability to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – or any list of the best credit cards in the U.S.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus 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 credit card with the predictability of a personal loan
- $0 annual fee, $0 activation fees, $0 foreign transaction 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
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- You struggle to pay off your credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You hate penalty or other hidden fees
Upgrade Visa® Card with Bitcoin Rewards
Upgrade Visa® Card with Bitcoin Rewards
Upgrade Visa® Card with Bitcoin Rewards
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Upgrade Visa® Card with Bitcoin Rewards offers no fees, low rates, cash back in bitcoin, and credit lines up to $20,000 in one exceptional package. The card provides the flexibility and predictability to pay down card balances and get debt-free quickly – with the added benefit of crypto rewards on every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions
- Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
- The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
- No annual fees, no foreign transactions fees
- Get pre-approved in seconds with no impact to your credit score
- Pay with your phone or device by using Apple Pay® or Google Pay™
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI, NH, HI.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- You struggle to pay off credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn bitcoin rewards for purchases
- You don’t want to pay an annual fee
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
- 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
At a Glance
The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 annual fee, $0 activation fees, $0 foreign transaction fees
- 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
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI.
- Regular Purchase APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
- You struggle to pay off your credit card balances
- You want to earn up to 3% cash back on purchases
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You don’t want to pay an annual fee
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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