Upgrade Card
Upgrade · Visa
APR from 14,99% (low for the settore); 3% cashback; no annual fee; 0% FX. not is a credit card vera; rate fisse less flessibili. Closed-end loans less flessibili; no cash advance
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | N/D |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 3% |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 4/10 |
| Supported countries | US · 1+ countries |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | n/a (US) |
Plans & pricing
Cash Rewards Visa
- Annual price
- Free
- fee_emissione_eur
- Free
- fx_markup_pct
- 0%
- Cashback
- 1.5%
- atm_limit
- N/D
- 1.5% cashback unlimited
- APR 14.99-29.99%
- No late fee
- Credit line $500-$25k
- Installment loan structure
Triple Cash Rewards
- Annual price
- Free
- fee_emissione_eur
- Free
- fx_markup_pct
- 0%
- Cashback
- 3%
- atm_limit
- N/D
- 3% home/auto/health
- 1.5% altro
- Installment
Upgrade Select Visa
- Annual price
- €39
- fee_emissione_eur
- Free
- fx_markup_pct
- 0%
- Cashback
- 3%
- atm_limit
- N/D
- $39 annual fee
- Higher line
- Upgrade variants
Strengths
- APR from 14,99% (low for the settore); 3% cashback; no annual fee; 0% FX.
Weaknesses
- Not is a credit card vera; rate fisse less flessibili.
Verdict
APR from 14,99% (low for the settore); 3% cashback; no annual fee; 0% FX. not is a credit card vera; rate fisse less flessibili. Closed-end loans less flessibili; no cash advance
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is Upgrade Card a safe card?
Upgrade Card is a custodial card on the Visa network. As a payment card, loaded funds are e-money and are not covered by a bank deposit-guarantee scheme. Fund custody is custodial.
How much does Upgrade Card cost?
The card has no annual fee. Issuance is free. The FX markup is 0% (no surcharge). See the tier table for full conditions.
Does Upgrade Card offer cashback?
Yes: cashback goes up to 3%, depending on the tier.
Is Upgrade Card available in Italy?
No, Upgrade Card is not currently available in Italy.
Is Upgrade Card custodial or self-custody?
Upgrade Card uses a custodial model. Funds are held by the issuer: you do not have direct control of the private keys.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).