Credit Card

How to apply for the Upgrade Credit Card?

By acquiring the Upgrade credit card, which can be used without incurring any fees, you can expand your purchasing capabilities. To do so, familiarize yourself with the application process.


With the Upgrade card, you can enjoy optimal payment conditions on a credit card while simultaneously building your credit score

Apply for the Upgrade card. Source: The Mad Capitalist.
Initiate an application for the Upgrade card.

The Upgrade card is an ideal choice for those seeking to improve their credit scores as it eliminates the hassle of subpar offers for individuals with poor credit. This card is free of charge, with no annual or monthly fees, foreign transaction fees, or late payment fees.


Credit Card

Upgrade Card


The credit card offers exceptional payment terms and does not entail an annual fee.

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It’s uncommon for a credit card tailored for individuals with low credit scores to provide rewards or bonuses upon application.

By obtaining a Visa Signature, your card will be widely accepted, and you’ll enjoy a range of benefits. This credit card is suitable for everyday use as well as larger purchases. Continue reading for information on how to apply.

Apply online

You can check the offer before applying for the Upgrade Card. Source: Freepik.
It is possible to review the offer prior to submitting an application for the Upgrade Card.

If you’re striving to improve your credit score, you’ll want to avoid damaging it with hard inquiries. Upgrade provides a solution to this by allowing you to pre-qualify and check your offer without any impact on your credit report.

To pre-qualify and check your offer, simply navigate to Upgrade’s website and find the credit card section. From there, click the “get started” button for your preferred card. If you’re focused on building your credit, opt for Upgrade’s card without rewards.

The application process is straightforward and only requires filling out a simple form with basic information such as your full name, address, annual income, and its source. To submit the form, create an account using your email and password.

Before submitting your form, make sure to review Upgrade’s terms and conditions, privacy policy, agreements, and other essential information located above the submission button.

Apply using the app

After obtaining the card by applying through the website, you can download the Upgrade mobile app to manage your monthly payments, review your recent purchases, make payments, and monitor your credit score progress.

Upgrade offers two types of cards: the Upgrade card and the Upgrade card with Cash Rewards.

Upgrade provides a superior credit card option that comes with cash back rewards and the same payment benefits as the Upgrade credit card. You can apply for this card with benefits as soon as you improve your credit score.

Upgrade Card

  • Credit Score Range: Poor/Fair;
  • Annual Fee: $0;
  • Regular APR Range: 8.99% to 29.99%, depending on your creditworthiness;
  • Welcome Bonus: N/A;
  • Rewards: None offered.

Upgrade Card with Cash Rewards

  • Credit Score Range: Average/Good;
  • Annual Fee: $0;
  • Regular APR Range: 8.99% to 29.99%;
  • Welcome Bonus: None offered to new cardholders;
  • Rewards: Earn 1.5% cash back on every payment towards your card bill.

Apply for the Upgrade Triple Cash Rewards Visa®!

Learn how to apply for the Upgrade Triple Cash Rewards Visa® in this article and enjoy its benefits!