Carregando
0%Take control of your payments, earn cashback, and simplify borrowing with the Upgrade Visa Card — a modern hybrid solution for U.S. consumers.
The Upgrade Visa Card introduces a different way to manage credit. Instead of functioning like a traditional revolving credit card, it combines card spending flexibility with structured installment payments. Designed for consumers who value predictability and responsible repayment, this product offers a clear path to managing balances while still earning rewards.
Issued by Sutton Bank and operating on the Visa® network, the card allows you to make purchases wherever Visa is accepted, then repay them through fixed monthly installments. It’s built for individuals who want clarity, control, and fewer surprises.
Earn 1.5% Unlimited Cashback
With the Upgrade Visa Card, you earn 1.5% unlimited cashback on purchases as you pay them off. Whether covering everyday expenses, travel, or household bills, rewards accumulate consistently without rotating categories or spending limits.
There are no complicated redemption systems. Cashback is applied directly to your account balance, helping reduce what you owe over time.
Predictable Payments with Fixed APR
Unlike many traditional credit cards that rely on revolving balances and compounding interest, Upgrade converts purchases into installment plans with set monthly payments. This structure makes budgeting more straightforward.
APR typically ranges from 8.99% to 29.99%, depending on credit profile. Because payments are fixed, you’ll know exactly what to expect each month, reducing the uncertainty that often comes with variable minimum payments.
Built-In Tools for Financial Control
Upgrade provides digital tools designed to keep you organized:
- Mobile app and online dashboard with full account visibility
- Instant transaction alerts
- Autopay tools for consistent payments
- Complimentary credit monitoring
These features support better financial habits and greater transparency.
Convenience and Protection
The card works with Apple Pay®, Google Pay™, and Samsung Pay™, allowing secure contactless transactions. Visa’s Zero Liability protection, EMV chip technology, and ongoing fraud monitoring help safeguard your account at all times.
Clear and Transparent Terms
Annual Fee: $0
Foreign Transaction Fee: 3%
APR: Fixed between 8.99% and 29.99%
Late Fee: Up to $10
Rates and approval terms depend on your credit profile.
Eligibility Requirements
Applicants must:
- Be at least 18 years old (19 in certain states)
- Hold U.S. citizenship or permanent resident status
- Provide verifiable income and an active bank account
- Pass identity and credit review
Fair to good credit improves approval chances, though some applicants with limited history may qualify.
Application Process
To apply:
-
Visit Upgrade’s official website.
-
Complete the pre-qualification form.
-
Review available offers.
-
Submit your full application if you choose to proceed.
Pre-qualification uses a soft inquiry and does not impact your credit score.
A Simple Takeaway
The Upgrade Visa Card offers a structured alternative to revolving credit, combining predictable repayment with steady cashback. If you’re ready for clearer payments and smarter borrowing, click the button below and apply now to explore your eligibility.