Debit card

Upgrade Visa® Debit Card (Rewards Checking Preferred)

Cash back

VISA

Apply for Upgrade Visa® Debit Card (Rewards Checking Preferred)

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Debit card Upgrade Visa

Card review

Upgrade Visa® Debit Card (Rewards Checking Preferred)

4.3 8.6/10 DebitCue Score Verified Jun 20, 2026

2% cash back on everyday debit spending — no monthly fees

Fee: No fee
Foreign fee: 3%
Rewards: Cash back

Rewards

Up to 2% cash back on purchases at convenience stores, drug stores, gas stations, restaurants, monthly subscriptions, and utilities. Capped at $500 in 2% rewards per calendar year (then drops). Requires $1,000/month direct deposit to maintain top-tier rewards.

Our verdict

What stands out, and where it falls short.

What we like

Up to 2% cash back on purchases at convenience…
No card fee

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Upgrade Visa® Debit Card (Rewards Checking Preferred) fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Foreign transaction fee: 3%
Monthly Maintenance Fee: $0
Out-of-Network ATM Fee: $2.50 + third-party fees
Foreign Transaction Fee: 3% on purchases outside the US or in foreign currency

Rewards and features

Rewards: Up to 2% cash back on purchases at convenience stores, drug stores, gas stations, restaurants, monthly subscriptions, and utilities. Capped at $500 in 2% rewards per calendar year (then drops). Requires $1,000/month direct deposit to maintain top-tier rewards.
Pay with: Apple Pay, Google Pay, Contactless
Rewards Cap: $500/year in 2% cash back; requires $1,000/month direct deposit

Benefits and perks

Extras that come bundled with the card.

No Monthly Fees

No monthly maintenance fees, no overdraft fees, no minimum balance

Eligibility

What you need before you apply.

FDIC Insurance: Up to $250,000 through Cross River Bank and participating institutions

Upgrade Visa® Debit Card (Rewards Checking Preferred): your questions answered

Does the Upgrade Visa® Debit Card (Rewards Checking Preferred) have a card fee?

No - the Upgrade Visa® Debit Card (Rewards Checking Preferred) has no card fee.

What rewards does the Upgrade Visa® Debit Card (Rewards Checking Preferred) earn?

The Upgrade Visa® Debit Card (Rewards Checking Preferred) earns Up to 2% cash back on purchases at convenience stores, drug stores, gas stations, restaurants, monthly subscriptions, and utilities. Capped at $500 in 2% rewards per calendar year (then drops). Requires $1,000/month direct deposit to maintain top-tier rewards..

Does the Upgrade Visa® Debit Card (Rewards Checking Preferred) charge foreign transaction fees?

Yes - the Upgrade Visa® Debit Card (Rewards Checking Preferred) charges a 3% foreign transaction fee.

Is the Upgrade Visa® Debit Card (Rewards Checking Preferred) a credit, debit or prepaid card?

The Upgrade Visa® Debit Card (Rewards Checking Preferred) is a debit card issued by Upgrade on the Visa network.

Does the Upgrade Visa® Debit Card (Rewards Checking Preferred) support Apple Pay and Google Pay?

Yes - the Upgrade Visa® Debit Card (Rewards Checking Preferred) works with both Apple Pay and Google Pay.

Where can I get the Upgrade Visa® Debit Card (Rewards Checking Preferred)?

The Upgrade Visa® Debit Card (Rewards Checking Preferred) is currently offered in United States.

How does DebitCue rate the Upgrade Visa® Debit Card (Rewards Checking Preferred)?

DebitCue rates the Upgrade Visa® Debit Card (Rewards Checking Preferred) 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Upgrade Visa® Debit Card (Rewards Checking Preferred)?

Use the Apply now button to continue on Upgrade's secure site. Comparing and applying through DebitCue is free.