Credit Card Details

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Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa®

  • Credit Recommended

    Fair

  • Regular Purchase APR

    21.96% -29.99%

  • Annual Fee

    $39.00

  • Rewards

    Up to 10% cash back from your favorite brands with Upgrade Shopping

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI, CT, GA, MA

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details

Additional Info

  • Annual Fee: $39
  • Purchase APR: N/A
  • Regular Purchase APR: 21.96% -29.99%
  • Intro Balance Transfer APR: NA
  • Cash Advance APR: NA
  • Cash Advance FEE: NA
  • Late Fee: $0
  • Penalty APR: NA
  • Balance Transfer APR: 21.96% -29.99%
  • Balance Transfer Fee: Up to 5%
  • Foreign Transaction Fee: Up to 3%
  • Return Payment Fee: $0
  • Welcome Bonus: $200*

Specifications

Rewards Up to 10% cash back from your favorite brands with Upgrade Shopping
Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 21.96% -29.99%
Annual Fee $39.00
Credit Recommended Fair
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee $0.00
Foreign Trans Fee Up to 3%
Balance Transfer Fee Up to 5%

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