How to Apply for the Upgrade Cash Rewards Card

Understanding the Upgrade Cash Rewards Card before application

Unlock a world of financial opportunities with the Upgrade Cash Rewards Card. With an enticing offer of 1.5% unlimited cash back on all purchases, this card can revolutionize your spending experience, turning transactions into a profitable venture.

Have the opportunity to seize command over your financial landscape through the utilization of the Upgrade Cash Rewards Card, where meticulously structured payoffs guarantee swift reduction of balances, thereby mitigating interest payments over the long haul. 

Wave farewell to annual fees and late penalties, ensuring more of your hard-earned cash stays in your pocket, empowering you to take charge of your financial journey towards independence.

Craft a clearly defined pathway towards reducing your debts by taking advantage of the fixed-rate and term payment options that are available through the Upgrade Cash Rewards Card.

Unlike conventional credit cards that trap you in a cycle of minimum payments and accumulating debt, this innovative card consolidates your transactions into an installment loan, offering transparent payoff timelines and potential interest savings over time.

Kickstart your financial journey on the right note by opening a Rewards Checking Plus account. Complete three debit card transactions and enjoy a generous $200 bonus as a token of appreciation for your responsible financial behavior, reinforcing positive habits and incentivizing your progress.

Eligibility criteria

To qualify for the Upgrade Cash Rewards, a key requirement is maintaining a FICO credit score of 580 or higher, indicative of a fair credit standing. This score is a basic indicator of how reliable someone is when it comes to handling credit and their ability to manage credit obligations effectively and responsibly.

However, the evaluation process extends beyond just the credit score. 

Upgrade adopts a comprehensive approach, taking into account various factors such as credit usage history, requested credit line amount, and other pertinent details. 

By considering these additional elements, Upgrade aims to gain a holistic understanding of the applicant’s financial situation, ensuring that the credit card is issued to those who demonstrate the capability to manage credit responsibly.

Furthermore, in addition to meeting the credit score and holistic evaluation criteria, applicants must also fulfill basic eligibility requirements. This includes being at least 18 years old and holding legal residency status in the United States. 

Additionally, applicants must possess a valid Social Security Number or Individual Taxpayer Identification Number. 

Simple and quick application process

Applying for your Upgrade Cash Rewards Card is a hassle-free process designed for your convenience. 

To apply online, simply provide basic information about yourself. This includes standard details such as your name, address, and contact information. 

After, inform your income information and authorize a soft credit pull to check for pre-approval. 

It’s important to note that the credit pull conducted during the application process is a soft inquiry. This means it won’t have any impact on your credit score or credit report. 

If eligible, you will receive comprehensive details of your offer, including credit line amount, APR, and draw length, ensuring a seamless and efficient application process.

Additional Information

Experience seamless monthly payments through AutoPay, an intuitive automated solution that guarantees timely transactions without the hassle of manual intervention, streamlining your financial management process and providing peace of mind.

Unleash the full potential of your rewards with Upgrade Shopping, an exclusive feature that allows you to activate enticing offers from participating merchants via your account dashboard.

Earn up to 10% cash back on qualifying purchases, amplifying your savings beyond standard transactions and maximizing your rewards potential.

Exploring alternatives?

For those seeking an alternative cash back experience, there are other great options available within the American market.

You can consider the Chase Freedom Unlimited® with its versatile reward system, absence of annual fees, and user-friendly features, it presents a compelling option for simplifying your finances and maximizing your rewards potential.

Written by

Ellen Queiroz (Redatora)