Upgrade Credit Card feedback

gingerflower · ‎02-01-2023

Hello FICO Friends hope everyone is doing well. Anyway, I have a question on the Upgrade Cc does anyone give me some feedbacks on this credit card appreciate the info. Thks.

TRC_WA · ‎02-01-2023

It doesn't report as a traditional credit card... it reports as a LOC. You can use it as a credit card or request draws to be transferred to your checking account.

There are much better cards out there... this one has high interest and I have one that doesn't see any use.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

gingerflower · ‎02-01-2023

Thank you for the feedback @TRC_WA I got an offer in the mail and was not sure if it was a credit card or Loc. Thks!

Bill77 · ‎02-01-2023

I saw reports where it seems it is difficult to not pay interest on these accounts.

Bill77 · ‎02-01-2023

@gingerflower wrote:

Thank you for the feedback @TRC_WA I got an offer in the mail and was not sure if it was a credit card or Loc. Thks!

Credit Karma has a $400 offer if you open up a new "credit card" and a checking account.

ptatohed · ‎02-01-2023

Between the generous intro bonus, the above average 2.2% cash back, the "EarlyPay", and my 'Excellent' approval odds (for what that's worth), I have had my eye on the upgrade Cash Rewards Elite Visa. AOD 3.0% won't last forever.

They offer a pre-qual too.

https://www.creditkarma.com/creditcard/Upgrade06

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

CreditCuriosity · ‎02-01-2023

@ptatohed wrote:
Between the generous intro bonus, the above average 2.2% cash back, the "EarlyPay", and my 'Excellent' approval odds (for what that's worth), I have had my eye on the upgrade Cash Rewards Elite Visa. AOD 3.0% won't last forever.

They offer a pre-qual too.

https://www.creditkarma.com/creditcard/Upgrade06

AOD might last forever since they clamped down fairly quickly.. Fingers crossed as approaching 3 years on mine I think

Credit-hoarder · ‎02-01-2023

@CreditCuriosity---Didn't AOD get nerfed back to 2% or something like that?

BUSINESS

Rewards Pts.-Miles: UR-MR-TYP-Venture

CreditCuriosity · ‎02-01-2023

@Credit-hoarder wrote:
@CreditCuriosity---Didn't AOD get nerfed back to 2% or something like that?

Nope not that I know of it is still 3%.. I just lost my card and hit replace today and disconnected my current account so can't pull up last statement, but was still 3% last I knew or heard just not available to applicants for quite awhile now..

gingerflower · ‎02-01-2023

@Bill77

Thank you for feedback and info appreciate it.