Upgrade Cash Rewards Visa®

VISA No Annual Fee

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Credit Score

620 850

Average - Excellent

Apply Now On Cross River Bank's secure website Terms apply. Approval is not guaranteed.

Annual Fee

Rewards Rate

1.5%

Foreign Fee

Up to 3%

Purchase APR

N/A

Balance Transfer APR

N/A

Regular APR

14.99% - 29.99% APR

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Cross River Bank.

Upgrade Cash Rewards Visa is structurally different from a traditional credit card: it's a hybrid that turns each statement balance into a fixed-payment installment loan with a predictable monthly payment, variable APR, flat cash-back rate, no annual fee, bonus through Rewards Checking Preferred.

The fixed-payment model is the headline. Instead of carrying a revolving balance subject to compound interest charges, your monthly statement balance becomes a fixed-term loan with a flat payment schedule. For someone who'd otherwise revolve a balance, this is cheaper than a typical credit card by virtue of the fixed payoff structure. For someone who pays in full every month, the structural difference is irrelevant and the cash-back rate is just average. The card's value depends entirely on whether you'd benefit from the installment-payoff structure.

Card Details

$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
1.5% unlimited cash back on every purchase
No annual fee
See if you qualify in seconds with no impact to your credit score
Combine the flexibility of a card with the predictability of a personal loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Also in: Top Credit Cards 2026 No Annual Fee Excellent

Upgrade Cash Rewards Visa®

Ready to apply? Visit the issuer's secure site.

Apply Now On Cross River Bank's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.