Upgrade Unlimited Cash Rewards Visa®
Great for a personal loan alternative
Annual Fee: $0
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 Unlimited Cash Rewards Visa® or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $3,524, with $2,000 being the most common.
Here’s the average credit score of members who matched their Upgrade Unlimited Cash Rewards Visa® or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 611, with 577 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
53.6%
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.
51 years
Average age of members who matched this card or similar cards.
$81,435
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
Most helpful positive review
October 7, 2021
Great card!
— Credit Karma Member
Communication with the company was pleasant. They offer flexible repayment options, either a small monthly payment automatically withdrawn from your account, or you can pay it off each month. I pay mine off each month. I totally recommend it!
Most helpful negative review
August 21, 2023
One star you’ll see why
— Credit Karma Member
So this is an actual line of credit not a credit card. The card helps you have access to the cash when needed and repay back with each use. Vs a traditional loan which goes directly to your checking account and once it’s used it’s gone you pay it back and that’s that. So in turn it’s a great loan option if you need one. But because they don’t report your credit amount it can hinder your score significantly in a bad way. Especially if you have a high credit card %age it can be a deadly experience we’re taking about dropping your score by 56-60 points. When I got the card, I did not activate it. I allowed them to close my account, and they did not hinder my credit at all, as it was close for no activity. Or upgrade cords should be considered carefully. Just make sure you do your research first make sure that your credit score and your credit ratio or credit card %ages are below 30% or else you will suffer the consequences and remember your score will remain hindered for quite a while