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Upgrade Visa® Card with Cash Rewards

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Consumer friendly and low interest, this card gives you the freedom you’d get from a typical credit card combined with the features of a personal loan. Offering a fixed interest rate and 24– to 60–month terms, this could be the upgrade you’re looking for. There are no fees associated with this card.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 8.99%–29.99% Fixed

Upgrade Visa® Card with Cash Rewards

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 1.5% cash back for every purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee $0
Returned Payment Fee $0
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card

Card Benefits

  • No Foreign Transaction Fee
Upgrade Visa® Card with Cash Rewards


  • 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

Sutton Bank

Manage your Account & Pay your Bill

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Credit card issuer's website

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Years ago, LendingClub was founded with the successful goal of helping people manage outstanding credit card debt by consolidating into lower-interest loans that are easier to pay off. By lowering interest rates and introducing fixed monthly payments along with credit education resources, LendingClub has refinanced billions of dollars in consumer credit card debt. These types of loans are referred to as installment loans, offering terms from 24 to 60 months.

Now, the founder of LendingClub has taken it one step further by offering a card product that does both: the Upgrade Visa Card. It works similarly to a typical credit card, offering a credit line and utilizing the Visa card network, but proposes a new process for responsibly paying off debt in the same way personal loans are paid off.

The Upgrade Card changes the game by giving you a little push. You’ll still make purchases in the same way you would a traditional credit card, carrying a balance month to month and paying interest on any outstanding debt. But with the Upgrade card you won’t be able to make minimum payments forever. Any outstanding balances at the end of the month are basically converted into installment loans with fixed monthly payments. Depending on the balance, terms could range anywhere from 24 to 60 months, with the entire balance paid off at the end.

Your balance will have a fixed, predictable interest rate so you know exactly how much you’ll be paying by the end of the term. Interest rates range from 8.99%–29.99% Fixed. So if you have a $10,000 outstanding balance with an 18% APR for 24 months, you’ll have a monthly payment of $504.29 to completely pay it off with interest. You can even pay it off early to avoid interest, with no penalty.

If you miss a monthly payment, you won’t be charged a late fee but your card will become unusable until you pay. And after 30 days the late payment will be added to your credit report, which could remain for seven years and negatively impact your credit scores.

Credit lines range from $500 to $50,000, and similar to a credit card, every payment you make will return your line of credit to what it was before making purchases.

Rather than encouraging you to spend more money by offering lavish spending rewards, they instead encourage you to responsibly pay off your debt by offering 1% cash back every time you make an on-time payment towards your balance.

This card has no annual fee, late fees, or returned payment fees, and you can transfer cash from your personal credit line to your bank account for no fee.

You cannot use this card at an ATM, but you can use it online and everywhere Visa is accepted.

Before applying, you can check your potential credit line to see if it’s suitable for you, and you’ll typically get an approval decision in minutes if you choose to apply.

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