Cash Back card · Upgrade
Upgrade Cash Rewards Visa
Upgrade Cash Rewards Visa is the flat-rate card: 1.5% cash back on everything, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Upgrade |
|---|---|
| Network | Visa |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 1.5% cash back on every purchase, with no spending limit on the flat rate. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
1.5% cash back on every purchase, with no spending limit on the flat rate.
Who it is built for
Built for people who want a flat cash back rate and a card that reports like a loan.
History
The Upgrade Card is issued by Cross River Bank.
Current details — visit the official Upgrade Cash Rewards Visa page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Upgrade Cash Rewards Visa?
Upgrade Cash Rewards Visa is the flat-rate card: 1.5% cash back on everything, with no annual fee as of 2026.
Does the Upgrade Cash Rewards Visa have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Upgrade Cash Rewards Visa earn?
1.5% cash back on every purchase, with no spending limit on the flat rate.
Who issues the Upgrade Cash Rewards Visa?
The Upgrade Cash Rewards Visa is issued by Upgrade and runs on the Visa network.
Sources
- https://www.upgrade.com/upgrade-card/ — Upgrade's card page
- https://www.suttonbank.com/ — Issuer's site
Page last updated 14 November 2026.