Terms checked 2026-10-26
The best first travel card in the game. Full transfer partner access for $95.
75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Upgrade Cash Rewards Visa
By Alex Compton · Last verified
No longer marketed by Upgrade, which now sells the invitation-only OneCard Essentials instead.
★ 5.5/10UpgradepersonalCash Back
DiscontinuedBest for: Nobody new, the card is no longer offered
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$0
Last recorded · 3% FTF
Credit Score
Fair
(600+)
Common Questions
Is the Upgrade Cash Rewards Visa discontinued?
Yes. No longer marketed. The Upgrade Cash Rewards Visa product page now returns 404 and Upgrade's credit card navigation lists only the invitation-only OneCard Essentials. No longer marketed by Upgrade, which now sells the invitation-only OneCard Essentials instead.
What can I use instead of the Upgrade Cash Rewards Visa?
The closest open alternatives we track are the Chase Sapphire Preferred, Capital One Savor, Chase Freedom Unlimited. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Upgrade Cash Rewards Visa is no longer open to new applicants. Compare these cards for a similar use.
Capital One SavorCapital One
Terms checked 2026-10-23
No-annual-fee cash back on eligible food, entertainment and streaming purchases
$200 bonus (≈$200)AF: $0Rating: 8.5/10
Terms checked 2026-11-02
1.5x on everything, and a points multiplier when paired with a Sapphire.
20,000 pts bonus (≈$200)AF: $0Rating: 8.4/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (value)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Offer ended: $2 → $0 · Window: 2 months → 0 monthsNo longer marketed. The Upgrade Cash Rewards Visa product page now returns 404 and Upgrade's credit card navigation lists only the invitation-only OneCard Essentials | Upgrade OneCard Essentials product page → |
| 2026-06 | $2 | No recorded spend | Terms reconfirmed$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions | Archive record · no attached snapshot |
| 2024-01 | $2 | No recorded spend | Earliest recordSame checking-linked structure | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Cash Rewards Visa product page returns 404 and Upgrade markets only the invitation-only OneCard Essentials; marked discontinued
Fields: discontinued, currentOffer, applyStatus
Upgrade OneCard Essentials product page →
Historical record · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xAll purchasesCash back is earned as you make payments
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Each statement converts to a fixed-rate installment plan of 12 to 60 months
- ✦No annual fee and no late fees
- ✦Credit lines from $500 to $25,000
- ✦Issued by Cross River Bank; reports to all three bureaus
Why it earns its spot
- +Forced amortization pays balances down instead of revolving forever
- +1.5% flat cash back with no annual fee
- +Fair credit can qualify for a real credit line
Where it costs you
- −No interest-free grace period the way a normal credit card has one
- −Cash back only lands as you make payments
- −Up to 3% foreign transaction fee
- −No longer offered: the product page is gone and Upgrade markets only OneCard Essentials
The Compound Verdict
This card is no longer on Upgrade's site. Upgrade now markets the OneCard Essentials, available by invitation only, with no annual fee, 3% cash back on gas, groceries, streaming and subscriptions, and utilities, and 1% on everything else. Existing Cash Rewards cardholders keep their accounts; new applicants should look at that card or a no-fee flat-rate card instead.
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