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Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
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Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
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On Upgrade‘s website
Card detail
Upgrade Bitcoin Rewards Sutton Bank
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.2
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back in bitcoin when you make payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions.
  • Issuer name:
    Sutton Bank
  • Details:

    The Upgrade Bitcoin Rewards Visa® Credit Card earns 1.5% Cash Back in the form of bitcoin when you make your monthly payments. Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The Upgrade Bitcoin Rewards Visa® Credit Card has no annual fee. The Card's APR: 14.99% - 29.99% (Regular).

    Read full review

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • The Card cannot be used at an ATM
  • Benefits:
    • $200 bonus;
    • 1.5% back in bitcoin when you make payments;
    • Credit lines from $500 to $25,000;
    • Affordable monthly payments with no annual fee.

    *To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1 - 2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it Refer to Program Terms. Your Upgrade Card must be in good standing to receive a bonus.

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On Sutton Bank‘s site
Card detail
The Owner’s Rewards Card by M1 Celtic Bank
Annual fee:
$0 annually (for active M1 Plus customers)
$95 annually
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 10% You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
    • 1.5% Cash Back on everything else.
  • Issuer name:
    Celtic Bank
  • Details:

    The Owner’s Rewards Card by M1 earns up to 10% Cash Back on purchases with eligible brands. All other spending earns 1.5% Cash Back.

    Spend $4,000 with your new Owner’s Rewards credit card in the first 90 days and earn a $300 statement credit.

    The Owner’s Rewards Card by M1 comes with a $95 annual fee (the fee is waived for Plus members).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
  • Cons:
    • No Intro APR period
    • $95 annual fee (for non-plus members)
  • Benefits:
    • Up to 10% Cash Back on purchases with eligible brands;
    • 1.5% Cash Back on everything else;
    • Visa® Zero Liability.
View all The Owner’s Rewards Card by M1 details
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On Celtic Bank‘s site
Card detail
SchoolsFirst FCU Rewards Mastercard®
Annual fee:
$0
Regular APR:
10.00% - 17.90% Variable
Our Rating:
4.27
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on every purchase.
  • Intro Offer:
    • 10,000x Points just for opening a card – a $100 cash value.
  • Balance Transfer APR:
    10.00% - 17.90% Variable
  • Issuer name:
    SchoolsFirst Federal Credit Union
  • Details:

    The SchoolsFirst FCU Rewards Mastercard® Credit Card earns 10,000 bonus points just for opening a card (a $100 cash value). The Card offers 1.5x points on all purchases.

    The Rewards Mastercard® doesn't charge an annual fee.

    The APR for purchases and balance transfers is 10.00% - 17.90% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 10,000 points just for opening a card (a $100 cash value);
    • 1.5x points for every $1 spent on every purchase;
    • Free, unlimited 2-day shipping and return shipping from more than 140 participating online retailers (enrollment in complimentary ShopRunner membership required);
    • 5% back on HelloFresh purchases;
    • $5 Lyft credit for every three rides taken in a calendar month;
    • Digital Wallets;
    • Priceless® Cities.
Card detail
First Hawaiian Bank Heritage
Annual fee:
$0
Regular APR:
16.99% Variable
Our Rating:
3.65
scorer
Credit score
Fair to Good (580-739)
  • Purchase Intro APR:
    2.99% Intro fixed APR for your first eight billing cycles following the opening of your account
  • Balance Transfer APR:
    16.99% Variable
  • Issuer name:
    First Hawaiian Bank
  • Details:

    The First Hawaiian Bank Heritage Credit Card doesn't charge an annual fee.

    Cardholders can enjoy an interest rate of 2.99% for purchases and balance transfers for the first 8 billing cycles (16.99% Variable after that).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Fraud alerts for your protection;
    • Mobile wallets;
    • Zero liability protection on unauthorized purchases;
    • Mastercard ID Theft Protection;
    • Extended Warranty;
    • MasterRental Coverage;
    • Mastercard® Global Service;
    • Mastercard Airport Concierge™.
Card detail
BMO Harris Bank Business Platinum Rewards Mastercard®
Annual fee:
$0
Regular APR:
17.49% - 26.49% Variable
Our Rating:
4.79
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on all purchases.
  • Intro Offer:
    • 25,000x Bonus rewards points when you spend $3,000 within 3 months of account opening.
  • Purchase Intro APR:
    0% Introductory APR for nine months from account opening date
  • Balance Transfer APR:
    17.49% - 26.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Rewards Mastercard® Credit Card earns 25,000 points when you spend $3,000 within 3 months of account opening. The Card offers 1.5x points for every $1 spent on all purchases.

    The Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 9 months on purchases. In addition, there is a 0% introductory APR period for 9 months on balance transfers made within 90 days of account opening. After that, the variable APR is 17.49% - 26.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 25,000 points (when you spend $3,000 within 3 months of account opening);
    • 1.5x points for every $1 spent on all purchases;
    • Up to 25% at 40,000+ merchants;
    • Up to 20 additional cards;
    • $600 cell phone protection;
    • Extended Warranty;
    • Zero Liability;
    • Travel Assistance Services;
    • Master RoadAssist®;
    • Priceless® Cities;
    • Mastercard Easy Savings®.
Card detail
BMO Harris Bank Business Platinum Mastercard®
Annual fee:
$0
Regular APR:
13.49% - 22.49% Variable
Our Rating:
3.91
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for 18 months from account opening date
  • Balance Transfer APR:
    13.49% - 22.49% Variable
  • Issuer name:
    BMO Harris Bank
  • Details:

    The BMO Harris Bank Business Platinum Mastercard® Credit Card doesn't charge an annual fee.

    Save up to 25% at 40,000+ merchants – including gas, meals, office supplies, hotels and more – with Mastercard Easy Savings®.

    Get up to 20 additional cards so employees can easily make purchases and earn points on behalf of your business.

    The Card has a 0% introductory APR period for 18 months on purchases. In addition, there is a 0% introductory APR period for 18 months on balance transfers made within 90 days of account opening. After that, the variable APR is 13.49% - 22.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Save up to 25% at 40,000+ merchants;
    • Extended Warranty;
    • Zero Liability;
    • Digital Payments;
    • MasterRental®;
    • Mastercard Global Service™;
    • Master RoadAssist®;
    • Travel Assistance Services;
    • Priceless® Cities;
    • Mastercard Easy Savings®;
    • Discounts on Intuit Quickbooks and TurboTax;
    • Up to 20 additional cards;
    • $600 cell phone protection.
Card detail
US bank Cash+® Visa® Secured
Annual fee:
$0
Regular APR:
29.74% Variable
Our Rating:
4.53
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in two categories you choose.
    • 5% Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center.
    • 2% Cash Back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants).
    • 1% Cash Back on all other purchases.
  • Balance Transfer APR:
    29.74% Variable
  • Issuer name:
    US bank
  • Details:

    The US bank Cash+® Visa® Secured Credit Card earns 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in two categories you choose, 5% Cash Back on prepaid air, hotel and car reservations (booked directly in the Rewards Travel Center), 2% Cash Back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants) and 1% Cash Back on all other purchases.

    The US bank Cash+® Visa® Secured Card doesn't charge an annual fee. The APR for purchases and balance transfers is 29.74% (Variable).

  • Pros:
    • No Annual Fee
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period
    • High APR
  • Benefits:
    • 5% Cash Back on your first $2,000 in combined eligible purchases each quarter in two categories you choose;
    • 5% Cash Back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center;
    • 2% Cash Back on eligible purchases in your choice of one everyday category (like gas stations and EV charging stations, grocery stores and restaurants);
    • 1% Cash Back on all other purchases;
    • Fraud protection;
    • Choose your payment due date.
Card detail
M&T Bank Business
Annual fee:
$0
Regular APR:
10.99% - 17.99% Variable
Our Rating:
4.18
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles from account opening
  • Balance Transfer APR:
    10.99% - 17.99% Variable
  • Issuer name:
    M&T Bank
  • Details:

    The M&T Bank Business Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 billing cycles on purchases and balance transfers. After that, the variable APR is 10.99% - 17.99%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No rewards
  • Benefits:
    • Add Employee Cards at no additional cost;
    • Visa Zero Liability;
    • M&T Assurance®;
    • Digital Wallet.
Card detail