This Upgrade Cash Rewards review is for you if you’re looking for a credit card with no fees, cash back rewards, and transparent installment plan. Just keep reading.

The Upgrade Cash Rewards credit card is an excellent choice for those who want a financing alternative.

It’s also good if you want predictable payments, and a chance at a low APR, without the added burden of fees.

So let’s dive into the Upgrade Cash Rewards review. The Upgrade Cash Rewards Visa® offers a unique way to pay off large purchases with its installment plan. 

Although there is no zero percent intro APR, this card could save you money by obligating you to pay off your balance within a set period. 

You can also check your credit line and APR before you commit to the card. Plus, there are no fees of any kind, including no balance transfer fee or late payment fee. 

Also, with an APR ranging from 14.99 percent to 29.99 percent, the card’s rates are mixed. Still, you could qualify for an APR as low as 14.99 percent if you have excellent credit. 

Additionally, the Upgrade card offers a chance at a higher credit limit than traditional credit cards. Also, you can earn 1.5 percent cash back with no cap on all purchases every time you make a payment. 

However, the card’s APR is not the lowest in the market. Additionally, depending on your credit history, it may not be any better than the rate you’d get on a traditional credit card. 

The Upgrade card could be a useful tool for someone looking to pay off a large purchase over a longer period of time. However, it might be wise to consider other cards with a 0 percent intro APR as well. 

So, if you’re searching for a card that will provide you flexibility, this card may not be the best option for you.

With that we conclude our Upgrade Cash Rewards review. So let’s have a look at some of the reasons why you might or might not want to apply for this card.

The Upgrade Cash Rewards credit card is a solid choice for you if you’re seeking a financing tool with transparent installment plans.

It’s also great if you want cash back rewards, and the chance for a low APR without fees. 

The card offers unlimited 1.5% cash back on all purchases. Plus, it allows you to redeem rewards as a statement credit on your next scheduled monthly payment. 

Additionally, the card’s unique blend of a credit card and personal loan can save you money by obligating you to pay off your purchases within a set period. 

This structure means you won’t risk ballooning your balance or high interest charges that come with only paying the minimum due on a credit card. 

Although the Upgrade Cash Rewards card has its benefits, it’s not the perfect choice for everyone. 

Firstly, the lack of flexibility with the installment plan may not suit those who require more adaptable payment options. 

Secondly, while the APR can be as low as 14.99%, the lowest possible APR may not be better than the rate you’d get on a traditional credit card. This means you could find yourself paying more interest in the long run. 

Thirdly, the card’s line of credit requires installment payments to begin immediately, meaning you cannot completely avoid interest charges. 

Finally, if you have limited credit history or a middling score, you may receive a high-end APR of 29.99%. This is much higher than many of the best credit cards for bad credit. 

Interested in the Upgrade Cash Rewards card? Our application guide will help you apply quickly and easily. Click the link below to get started on your application.