*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.Apply Online – Click Here
Intro (Purchases): N/A – Intro (Balance Transfers): N/A – Purchase APR Rate: 14.99% – 29.99% APR – Annual Fee: $0 – Credit Needed: Excellent, Good, Fair, Average – Credit Line: $500 – $25,000 – Return Payment Fee: $0 – Late Payment Fee: $0 – Foreign Transaction Fee: Up to 3% –
Rates & Fees
Where to locate my 15 digit reservation number – Upgrade
If you received a mailer from Upgrade Visa® you will find a 15 digit confirmation code aka pre-approval code. This is the code you would enter on your application. You can usually find this number near the top or bottom of your mail offer. If you do not have your invitation code, that’s OK too, you can still apply without one.
What credit limit will I get with my Upgrade Card?
According to the website, the offer is from $500 up to $25,000 depending on your credit worthiness, income and debts.
How do I get Pre-Approved for an Upgrade Card?
There are several ways to get pre-approved for an Upgrade card. One way is through direct marketing from Upgrade, where they pull a soft inquiry to see if you fit their criteria for pre-approval. Another way is to contact Upgrade directly, you can do this via phone (844)-319-3909 or email at email@example.com. If you have any loans or products through Upgrade, there is a higher chance they might send you offers in the mail.
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