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Upgrade Select Visa ®

Updated:

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15 reviews from Intuit Credit Karma members

3.7

Rating: 3.7 out of 5.

Great for a loan alternative

Annual Fee: $39

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Upgrade Select Visa ® or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 86% 7% 5% 1% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 86% 7% 5% 1% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 86% 7% 5% 1% 0%

The average credit limit for members who have matched with this card or similar cards is $1,683, with $300 being the most common.

Here’s the average credit score of members who matched their Upgrade Select Visa ® or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 2% 52% 24% 20% 2%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 2% 52% 24% 20% 2%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 2% 52% 24% 20% 2%

The average credit score for members who have matched with this card or similar cards is 601, with 572 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

57%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

44 years

Average age of members who matched this card or similar cards.

$78,119

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

3.7

Rating: 3.7 out of 5.

15 reviews from Intuit Credit Karma members

Most helpful positive review

December 29, 2023

5

Rating: 5 out of 5.

Hall

— Credit Karma Member

Good card to have

Most helpful negative review

December 29, 2023

2

Rating: 2 out of 5.

OK but beware

— Credit Karma Member

This isn't a bad card, especially if you have not so perfect credit. My ONLY complaint is that it doesn't always work even when you have plenty of cash on it. For instance. I got something at walmart here in town with it. Forgot to pick something up, went back to walmart, used it...denied. PLENTY of credit on it, but no matter what, it wouldnt work. Same with gas stations. Sometimes it'll work, sometimes at the same gas station. No deal. ALSO, when you pay your monthly bill, it will take sometimes TWO to THREE weeks for it to show in your available credit. It'll take it out of your bank account immediately but will take forever for it to post. Maybe that's to keep you from using it too much? Either way, I probably wouldn't recommend this card

All member reviews