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Upgrade Credit card
Upgrade Select Visa®
Cash back
VISA
Apply for Upgrade Select Visa®

On Upgrade's secure site

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Credit card Upgrade Visa

Card review

Upgrade Select Visa®

4.2 4.2 out of 5 8.4/10 DebitCue Score Verified

Unsecured credit access for those building or rebuilding credit

Fee
$39 USD/yr
Purchase APR
21.96% - 29.99%
Interest-free
-
Foreign fee
3%
Rewards
No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate.
Welcome offer
$200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days.

Our verdict

What stands out, and where it falls short.

What we like

  • No flat ongoing cash back rate. Cardholders can earn…
  • Welcome bonus
  • Pay in installments

Worth weighing

  • $39 USD/yr card fee
  • 3% foreign transaction fee
  • High interest if you carry a balance

Who It Is For

Whether the Upgrade Select Visa® fits how you actually spend.

Pick it if you are

  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Light spenders who won't beat the $39 USD/yr fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in USD.

Card fee
$39 USD/yr
Purchase APR
21.96% - 29.99%
Interest-free period
-
Foreign transaction fee
3%
Purchase APR
21.96%–29.99% fixed per loan (lowest rates require AutoPay)
Annual Fee
$39, billed as 12 equal monthly installments on the credit line
Late Payment Fee
Up to $29

Rewards and features

Rewards
No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate.
Welcome offer
$200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days.
Installments
Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line.
Pay with
Apple Pay, Google Pay, Contactless
Rewards Note
No base cash-back rate; rewards only through Upgrade Shopping portal (Dosh-powered)

Benefits and perks

Extras that come bundled with the card.

  • Credit Building
    Reports on-time payments to major credit bureaus; automatic credit line review after 6 months of on-time payments

Eligibility

What you need before you apply.

Target Audience
Consumers with limited or rebuilding credit history; no secured deposit required

Upgrade Select Visa®: your questions answered

How much does the Upgrade Select Visa® cost?
The Upgrade Select Visa® costs $39 USD/yr.
What rewards does the Upgrade Select Visa® earn?
The Upgrade Select Visa® earns No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate..
Does the Upgrade Select Visa® charge foreign transaction fees?
Yes - the Upgrade Select Visa® charges a 3% foreign transaction fee.
What is the interest rate on the Upgrade Select Visa®?
The Upgrade Select Visa® has a purchase APR of 21.96% - 29.99%.
Does the Upgrade Select Visa® have a welcome offer?
Yes - $200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days..
Can I pay in installments with the Upgrade Select Visa®?
Yes - Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line..
Is the Upgrade Select Visa® a credit, debit or prepaid card?
The Upgrade Select Visa® is a credit card issued by Upgrade on the Visa network.
Does the Upgrade Select Visa® support Apple Pay and Google Pay?
Yes - the Upgrade Select Visa® works with both Apple Pay and Google Pay.
Where can I get the Upgrade Select Visa®?
The Upgrade Select Visa® is currently offered in United States.
How does DebitCue rate the Upgrade Select Visa®?
DebitCue rates the Upgrade Select Visa® 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

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