Upgradecard.com Reservation Number – Upgrade Card Pre-Approved

www.Upgradecard.com gives you the opportunity to respond to their Mail Offer online and get yourself approved for the best cards offered by Upgrade. Simply enter the Reservation Number (15-digits) to get started.

Upgrade Visa® Card with Cash Rewards is a complete card with an extraordinary rewards package that combines the flexibility of the credit card with the low-cost predictability of a personal loan.

On your mail offer, from the upgradecard.com, you will find that the bank believes you are an ideal candidate. Upgrade Card pre-approval has no effect on your credit score, so everyone is encouraged to apply and increase their financial health. 

Upgrade Visa® Card has a major reputation in its class. This card truly enables you to expand your financial power. It is designed for individuals with fair, average, good, or excellent credit health. Available to a wide range of credit scores, this card with truly be beneficial to you. You can apply for the Upgrade Visa® Card with Cash Rewards through upgrade.com. This card is attractive for consumers who are looking for a smarter way to use their credit. You could use upgrade as a tool to further build your credit, or if you are an established individual who would like to make larger purchases, Upgrade is your card.

Credit Score Required: Excellent, Good, Fair, Average

Upgrade Visa® Card with Cash Rewards Highlights

Upgrade card is not like regular credit cards. It combines the flexibility of a credit card with the low-cost predictability of a personal loan. In other words, it is a hybrid of a credit card and a personal loan. The way you would apply for it, use it and pay it back will most certainly feel like a credit card.

  1. Apply for it
    – Apply online and get a credit line anywhere from $500 to $20,000 with some users even being approved for up to $50,000.
  2. Make purchases or have the funds sent to your account
    – You can use the card at any location that accepts Visa® or in case you need the credit, you can have the money sent to your account as a loan.
  3. Making Payment
    – Pre-pay any amount at any time with no penalty fees. You can make monthly payments directly from your bank account.

Card Details

  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
  • No-touch payments with contactless technology built-in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Difference between the Upgrade Card vs. Credit Card and Personal Loan

Upgrade Card has been designed to make the credit more accessible for the customers so that they can withdraw the required funds or use the funds in a user-friendly manner like a credit card.

The big difference between a credit card and an Upgrade card is the repayment method. Unlike a credit card where you make minimum payments on your used credit per month and the remaining balance gets carried forward to the next month, Upgrade Card changes that. Upgrade Card, on the other hand, takes the sum of all purchases made in a month, combines them together, and creates an installment loan instead of setting up a minimum payment method. This repayment schedule can go from 12-24 months making it easier for the customer to repay their loans instead of getting extra charges for deferring payments.

The benefit of this method is that you will be making larger payments towards your loan with a finite date in mind that will rid you of your loans. If you decide that you want to make your payment in advance and not wait for the monthly installment dates, there will be no charges.

For big purchases, an Upgrade card is a better option as it tends to provide a better interest rate when compared to credit cards. Although low, the interest rate is still determined by your credit score. If your credit score is low, you will get a higher interest rate, but as you make responsible repayments, you will improve your credit score. This will give you negotiating power when discussing the terms of the Upgrade Card again.

Upgrade Card is better than traditional credit cards in terms bring down the balance faster to pay less interest. Below is the comparative analysis of interest paid on a $10,000 balance by a user making monthly payments based on an 18% interest (national average).

 Upgrade CardTraditional Credit Card
Time to pay off the balance2 years28 years
Interest Paid Over that time$2,102.71$14,423.16

www.Upgrade.com Reservation Number – To Apply for Upgrade Card

It’s quite easy to apply for Upgrade Card using the 15-digit code. Visit the official website www.Upgradecard.com and provide the information required on the form.

To get started – you will need the pre-approval code. This can be found on the top and the bottom of the letter sent by the bank to you. You will need to enter this code when you visit the website to apply for the card.

Once you enter the code, you will also input the loan amount you wish to apply for, along with the purpose of the loan and why you need the loan. This helps define the loan request for the loan officer when they are considering your application.

If you cannot find the personal code: please click on the question mark beside the “Your 15-digit Code” and it will prompt the following pop-up:

Click on the “click here” link, and it will take you to a form that will assist you through the application process and generate an account for you.

  • First Name
  • Last Name
  • Home Address
  • City
  • Zip Code
  • Date of birth (MM/DD/YYYY)
  • Please have the SSN (Social Security Number) nearby in case needed.

After submitting your Pre-qualified application for the credit, you need to wait for the approval. Once your application is approved, you will receive the card and the approved loan amount sent to you.


  • No annual fee
  • No foreign transaction fee
  • No maintenance fee
  • Qualification with Average credit
  • No security deposit required
  • Pre-approval with no effect on credit score
  • High rewards rate – 1.5% unlimited cashback
  • Reports to big three major credit bureaus
  • Easy bonus offer – $200 welcome bonus*

*To qualify for the $200 welcome bonus.

  1. Open and fund a new Upgrade Rewards Checking Account
  2. Conduct 3 debit card transactions within 60 days of account opening
  3. The bonus will be posted to your account within 1-2 billing periods

Upgrade Visa® Card Full Review

Upgrade Visa® Card with Cash Rewards is a unique financial product that has combined the convenience of credit cards with personal loans. This makes Upgrade Card a hybrid product, for anyone with an average credit score looking to build their credit or individuals with great credit looking to make large credit purchases.

You will be able to use your card like a regular credit card at any location that accepts Visa®. You have the freedom and convenience to access your credit limit easily at any time. The credit will be converted into equal monthly installments at a fixed interest rate. The benefit of this method is that you will be making larger payments to pay back the loan vs minimum payments made with a credit card. Upgrade Card encourages individuals to make their payments on time which in turn assists in building credit.

Upgrade Card is also unlike a credit card because it gives you access to your credit limit. You will be able to tap into your credit limit and have those funds transferred over to your bank account with ease. Those funds can now easily be used to make larger purchases for example home renovations, car repairs, or other potentially unforeseen expenses. With the Upgrade Card, you give yourself the potential and the financial peace of mind in knowing that you have access to extra funds when needed.

Keep in mind, that this card comes with $0 fees, $0 annual fee, $0 activation fees, $0 maintenance fees, and a $0 Fraud liability where you are completely protected against any stolen, lost, or fraudulent activities.

The cashback on the Upgrade Card is extremely generous with a 1.5% unlimited cashback on any card purchases made at any time. The bank also has a bonus of $200 for you after you open a Rewards Checking account and make 3 debit card transactions within the first 60 days.

With all these benefits, you may be wondering what is needed from your perspective to apply for this card. You can apply through the mail offer that was sent to you, or you can go to www.upgradecard.com and apply for the Upgrade Visa® Card with Cash Rewards. When you apply, there is only a soft credit pull on your credit card, which means there will be no effect on your credit score. But this soft check will determine your pre-approval for the card and the bank will inform you if you qualify to apply for the card. The pre-approval process makes it a worry-free process to apply for the card.

Frequently Asked Questions

Is an Upgrade card a real credit card?

Upgrade Card is a legitimate program. It combines the flexibility of a credit card with a low-cost personal loan. This allows the customer to access their credit limit and spend anywhere a visa is accepted conveniently.

Does Upgrade do a hard pull?

Yes, a hard pull is only conducted once you formally apply for the card. Upgrade gives an option for pre-approval when the bank pre-determines your legibility for the Upgrade Card program.

What if you do not pre-qualify for Upgrade Card?

Not to worry, if you do not pre-qualify that means you were not legible for this specific program. No credit pull was conducted at this time, so your credit report is not affected. You can visit www.upgradecard.com to see other options that may be more suitable for you at this time.

What is the credit limit on an upgrade Card? Can I increase it?

The credit lines you could be approved for are from anywhere between $500 to $20,000, and some consumers may qualify for up to $50,000.

Does Upgrade Card have rewards for its customers?

The bank does have a rewards program. You can earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions. There is also a chance for you to earn 1.5% unlimited cash back on card purchases every time you make a payment

What bank is behind Upgrade Card?

The upgrade Card is being offered by the Sutton Bank.

Who is the Upgrade Card for?

Attractive to consumers looking for a smarter way to use credit: from those looking to build credit to established-prime consumers looking to make major purchases.

Our Methodology:

Upgrade.cc conducts its research through an independent credit card research team that provides you with detailed information regarding the credit card. We focus on outlining the overall value of the card, reviews based on star ratings, as well as suitability for the right consumers based on the credit score.

Our financial analysts take a deep dive into the entire key factors that are crucial for deciding when applying for a credit card such as:

  • Annual fees and other service fees,
  • Security deposits (both the minimum required and maximum allowed)
  • Interest rates (APR)
  • Free credit score check, other credit education, or a requirement of a credit score to apply
  • Reporting to credit bureaus (TransUnion, Equifax, and Experian)
  • And potential rewards program.