The Upgrade Visa Card redefines what a credit card can do by merging the flexibility of a revolving line of credit with the discipline of fixed installment payments. Instead of letting balances carry over endlessly, this card automatically turns your purchases into installment loans, helping you pay off debt in a more manageable way.
Issued by Sutton Bank, the Upgrade Visa Card is designed for consumers looking for simplicity, transparency, and a solid rewards program. If you want a card that offers control without the surprise fees and unpredictable interest of traditional credit cards, this is worth considering.
Earn While You Spend: 1.5% Cashback on Purchases
Straightforward rewards with no rotating categories or limits.
When you use the Upgrade Visa Card, you’ll earn 1.5% cashback on all purchases, applied automatically as you make payments. That means your rewards are directly tied to your financial discipline—paying down your purchases helps you earn.
There are no reward tiers to track or enrollment periods to remember. Just spend, repay, and receive rewards. It’s a streamlined way to earn cashback while staying focused on responsible use.
Fixed Payments, Predictable Costs
No more revolving balances. Know exactly what you owe every month.
Each purchase with the Upgrade Visa Card becomes part of a fixed-rate loan, giving you a clear payment schedule. No more confusion about minimum payments or ballooning balances.
The APR ranges from 8.99% to 29.99%, depending on your credit history and financial profile. Unlike traditional credit cards, where interest compounds rapidly, this structure promotes faster repayment and better long-term habits.
Digital Tools and Budgeting Features
Manage your account with modern tools designed to help you stay on track.
The Upgrade Visa Card comes with a user-friendly mobile dashboard and app that lets you:
- Monitor your balance and payments in real time
- Track how much you’ve earned in cashback
- Set up autopay to never miss a due date
- Access your credit score and usage insights
Everything is built with simplicity in mind, so you can make informed decisions about your credit use.
Built for the Digital World
Convenient payment options and enhanced security.
Whether you prefer to pay in-store or online, the Upgrade Visa fits your lifestyle. The card supports Apple Pay®, Google Pay™, and Samsung Pay™, letting you make secure, contactless transactions wherever Visa is accepted.
Advanced features include:
- Card lock/unlock via mobile app
- Real-time fraud alerts
- Zero liability for unauthorized charges
- EMV chip technology for secure transactions
You’ll also get fast card replacement in case your card is lost or stolen.
Transparent Pricing and Terms
No annual fee, plus fair and clear borrowing terms.
- Annual Fee: $0
- APR: 8.99% – 29.99% (based on credit)
- Balance Transfer Fee: Not available
- Foreign Transaction Fee: 3%
- Late Payment Fee: Up to $10
There are no hidden costs or surprise fees, and the lack of a balance transfer feature means this card is best for purchases, not consolidations.
Who Can Apply?
The Upgrade Visa Card is available to U.S. residents who:
- Are 18 years or older (19 in Alabama and Nebraska)
- Have a valid Social Security number
- Possess a verifiable income and U.S. bank account
- Pass identity and credit checks conducted by Upgrade
While a strong credit score helps, Upgrade considers applicants with fair credit as well.
How to Apply
Getting started is easy and won’t impact your credit score:
- Visit the Upgrade official website.
- Click “Check My Rate” to begin the pre-qualification process.
- Enter basic information including name, income, address, and SSN.
- If pre-qualified, review the terms and APR offered.
- Submit the full application for final approval.
Once approved, you’ll receive instant access to a virtual card and a physical card in the mail.
