Upgrade・Visa・No.065
A no-annual-fee card that works like a regular credit card, offers optional installment plans on eligible purchases, and stays approachable for fair credit while still paying 1.5% cash back.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: upgrade.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for people with fair credit who want cash back plus the option to put eligible purchases on fixed monthly payments.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
Yes, the Upgrade Card is designed to be accessible to applicants with fair credit.
New applicants now get the Upgrade OneCard Cash Rewards, which you pay like a regular credit card: each month you can pay anything from the minimum due to the full balance, and any balance you carry accrues interest. Pay Over Time is optional: before the statement period ends, you can convert eligible purchases (currently $100 or more) into equal monthly payments with a fixed monthly fee of up to 1.72% of the purchase instead of interest; eligibility is not guaranteed. The older structure, where each balance was repaid in fixed monthly installments, applies only to older Upgrade Card accounts.
No, the Upgrade Cash Rewards card has no annual fee.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.