Upgrade Cash Rewards VisaUpgrade
Historical card
Historical card record. See the dated review and offer history.
Not a current offer AF: See historyRating: Withheld
Review & HistoryNo Current Application
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A fintech lender whose Visa cards convert each statement balance into a fixed-rate installment loan with a set payoff date, issued through Cross River Bank. The structure swaps the open-ended revolving trap for forced amortization, which can genuinely help borrowers who carry balances. Cards have no annual or late fees.
Application Rules
- ▸Checking your rate is a soft pull; the hard inquiry happens only when you accept
- ▸Fair credit around 600 can qualify, with lines from $500 to $25,000
- ▸The headline $200 bonus requires opening a Rewards Checking Plus account, not just the card
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