You can earn 1.5% cashback on all purchases with no limits or categories.

Yes, the card offers a welcome bonus of $100 cashback after spending $1,000 in the first 90 days of account opening.

No, the card does not have an annual fee.

The Upgrade Cash Rewards credit card has a range of Annual Percentage Rate (APR) from 8.99% to 29.99%. However, the exact APR that applies to a cardholder depends on their creditworthiness, which is determined by several factors, such as their credit score, credit history, income, debt-to-income ratio, and other financial information. Generally, the higher a cardholder’s credit score and income, and the lower their debt-to-income ratio and credit utilization rate, the lower the APR they are likely to receive. Conversely, if a cardholder has a low credit score, high debt-to-income ratio, and a history of missed payments, they may receive a higher APR, which can result in higher interest charges on their balances. It’s important for cardholders to understand their APR and how it’s determined, as it can significantly impact the cost of borrowing and carrying balances on their credit card.

Yes, you can. The Upgrade Cash Rewards offers a balance transfer option that allows you to transfer your existing balances from other credit cards or loans to the card with a 0% introductory APR for 12 months on balance transfers. This offer applies to balance transfers made within the first 60 days of account opening. It’s important to note that a balance transfer fee of 3% applies, so make sure to factor that into your calculations. This feature can be especially helpful if you have high-interest debt on other cards or loans and want to consolidate your debt to a card with a lower interest rate. Just make sure to pay off your transferred balance before the introductory period ends, as the regular APR will apply thereafter.