The Upgrade Visa is a personal credit card from Upgrade Visa. The annual fee is $0. The ongoing APR is 15.99% - 29.99% Variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 1.5% cash back on every purchase.. Cash back: 1.5% on all purchases.. Typical credit limit: $500 - $20,000. This product reports activity to your personal credit report. [SOFT PULL ONLY] | Offers a flexible payment option with cash back rewards. | EXPERT REFERENCE (Dec 2025): Pre-approved for an $8,000 limit with a soft credit pull. | EXPERT REFERENCE (Dec 2025): Upgrade OneCard is a Pay Now / Pay Later hybrid. | EXPERT REFERENCE (Dec 2025): Pay Now option involves money coming directly from a bank account with no interest and earns cash back. | EXPERT REFERENCE (Dec 2025): Pay Later option converts purchases into fixed installment loans with interest. | EXPERT REFERENCE (Dec 2025): Upgrade OneCard pulls from TransUnion. | EXPERT REFERENCE (Dec 2025): Rewards Checking account offers 3% cash back on everyday categories and 2% on everything else, with a $500 annual cap on the 3% tier. | EXPERT REFERENCE (Dec 2025): To maintain 3% and 2% rewards, users must keep an average daily balance of $2,500, have $1,000 in direct deposits, or make 8 debit card purchases monthly. | EXPERT REFERENCE (Dec 2025): Extra Spending Power can be up to $5,000 and requires a Rewards Checking account. | EXPERT REFERENCE (Apr 2025): The Upgrade OneCard guarantees a starting credit limit before approval. | EXPERT REFERENCE (Apr 2025): Pre-approval for credit limits can be seen with a soft credit pull. | EXPERT REFERENCE (Apr 2025): Pre-approved credit limit example: $8,800 with no hard pull. | EXPERT REFERENCE (Apr 2025): Credit bureau pull is from TransUnion. | EXPERT REFERENCE (Apr 2025): Pay Now option works like a debit card with no interest. | EXPERT REFERENCE (Apr 2025): Pay Later option works like a mini loan with fixed APRs from 14.99% to 29.99%. | EXPERT REFERENCE (Apr 2025): Cashback rewards structure: 3% on select categories with Rewards Checking, 2% on everything else, capped at $500 in 3% rewards per year. | EXPERT REFERENCE (Apr 2025): Without Rewards Checking, cashback is 1.5% after balance repayment. | EXPERT REFERENCE (Apr 2025): Upgrade OneCard offers 3% cashback on gas, dining, utilities, drugstores, and subscriptions, and 2% cashback on everything else. | EXPERT REFERENCE (Apr 2025): Offers flexible payment options: Pay Now with no interest or Pay Later with fixed monthly payments. | EXPERT REFERENCE (Apr 2025): Linking to an Upgrade Rewards Checking Plus account can unlock more spending power and a $200 welcome bonus.