Upgrade Select Visa®
4.9
4.9
MoneyAtlas
Rating
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions
Ongoing Annual Fee
$39
Ongoing Purchases APR
21.96%-29.99% Variable
Credit Score Needed
Pros
Accessible approval odds: Qualifies applicants with roughly fair credit (FICO ≈ 630+) and doesn’t require a security deposit
Predictable installment pay-off: Every purchase converts to a fixed-rate loan (usually repaid over 36 months)
Credit-building potential: Upgrade reports your payment history to all three major credit bureaus
Cons
Annual fee: At $39, it’s the only Upgrade card that charges an annual fee
No everyday rewards: The card earns no ongoing cash back, except for limited Upgrade Shopping offers
Costly borrowing structure: Purchases start accruing interest immediately (no 25-day grace period)