100+ Upgrade Cash Rewards Visa Reviews (2024)

1 Star Rating

It was pretty easy to get this card, and it had a $2,000.00 limit. I make payments on time. My credit limit was decreased to $1,000.00, yet I still make payments on time, although the interest rate is ridiculous. Now my credit limit has decreased to $500.00. I contacted customer service, and they say this card is reported as a personal loan and that I went over the limit, which I didn't. I tried to explain the problem, but received no help. I will cancel this card and I will not recommend it to anyone.

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1 Star Rating

I've had issues with Upgrade from the start. I should have qualified for their welcome bonus, but after jumping through various hoops and calling them multiple times, surprise surprise, it never went through. Months later, they randomly decided to stop my EarlyPay payment without notifying me! This caused my payment to be late because I was expecting it to be automatically taken out as it always was. After being put on hold several times, they finally admitted they didn't know why it was suddenly turned off (or why I wasn't notified) and that someone in the back office must have done it for 'some reason'. They said I was no longer eligible for EarlyPay, again with no actual reason given. I'm paying off my balance in full and closing my account. Avoid at all costs.

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1 Star Rating

I opened an upgraded checking account and a line of credit. After I made a large purchase with the line of credit, I received an email saying that I was not eligible for additional purchases with the line of credit. I never missed a payment or was late with my payment. After I made the initial purchase, my credit score dropped 80 points. I should have read the reviews before getting the card because many other consumers had the same complaints. This company is not good to do business with; run and beware.

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1 Star Rating

be aware if you ever want to pay off your upgrade credit card with a balance transfer wire from another bank, they do not allow this. I wish I knew before I got their cards, otherwise, they are a decent CC but not taking wire transfers online to pay them off is a big issue because they are not using their own bank, they use other banks money, in my case they used a farm credit union for my credit card when I put in my account number in my balance transfer, a farm credit union came up when I sent the transfer it was denied! because UPGRADE doesn't allow payoffs with wire transfers! shameful.

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5 Star Rating

I have had the account since I discharged a 13. Gave me the line and a couple of loans. Very easy to deal with and the limits were 8,000 and loans were up to 11,000. The only knock is they are late reporting balances to the CBs. Other than that, it’s been an excellent company to deal with.

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1 Star Rating

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1 Star Rating

The customer service is horrible was in the hospital for long Covid. They wouldn’t work with me on payments. They wouldn’t answer my emails. They would double email me they would consistently do hard credit checks on me without my authorization and then they would send me a letter saying I didn’t qualify when I never applied for anything stay away they are not what you think they are

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1 Star Rating

We paid a deposit for window replacement which was never done, asked for a dispute and they refused stating we didn’t provide sufficient evidence that the work wasn’t done. They gave a myriad of excuses why they couldn’t issue a credit and now want us to pay $3k for a job that was never done, meaning we never received any goods or services for that price. STAY.FAR.AWAY!!!!!!!

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1 Star Rating

This is by far the worst credit company I have ever dealt with. We moved back in August and have been trying for months to simply get our address changed and it is simply impossible. I was able to change my address myself with all of my major credit card companies online, but this joke of a company expects me to email over all my personal information as well as a photo of myself. When I first inquired about changing my address I was given the wrong email address and was simply told to email in a current utility bill. I did this, unfortunately to the wrong email address, and waited. Called again, was told they never got it, so I emailed again. Called again and now they want me to risk identity theft in order to get my address changed. If they want this kind of personal information they should have a platform available to submit it that protects from identity theft. Instead they expect you to send your personal information over the internet and risk becoming a victim. All to simply change an address so you can ensure your getting your bill… I wasn’t even allowed to update my payment information myself. This is the most frustrating company I have ever had the displeasure of dealing with.

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1 Star Rating

Sucks. They ask for way too much information and the fat one that couldn't breathe, Leo, was a short rude jacka**. No thank you. I would never fight with someone for credit when my wife and I make over 150k a year. Yeah absolutely not. The only reason I was interested was because I had unexpected expenses last year and wanted to rebuild my credit more quickly. I'm GOOD.

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