This offer is not available in DC, HI, IA, NC, NH, WV, WI. See offers for your state

Card
Network

Visa
Bank

Sutton Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent, Good, Fair, Average

This offer is not available in DC, HI, IA, NC, NH, WV, WI. See offers for your state

Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

This offer is not available in DC, HI, IA, NC, NH, WV, WI. See offers for your state

MAIN CARD FEATURE

Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**

CARD DETAILS

  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
  • $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • 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
+ Pros
  • No fees.
  • Unlimited cash back on payments.
  • A contactless Visa credit card.
- Cons
  • The Upgrade Card can not be used at an ATM.

REWARDS: Cash Back

Rewards Program
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
Rewards Bonus
Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions**

PURCHASES

Intro
APR

N/A
Ongoing
APR

14.99% - 29.99%
Penalty
APR

N/A
Minimum Grace
Period

N/A
Minimum Interest
Charge

N/A

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

N/A
Cash Advance
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

$0
Annual
Fee

$0
Foreign Transaction
Fee

$0
Late Payment
Fee

$0
Card Overall Rating
APPLY
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