Mejora tu tarjeta Visa® con recompensas en efectivo
No annual fee. High credit limits based on overall credit. Earn 1.5% cash back on purchases. Fair credit accepted. Fast approval and simple rewards program.
The Upgrade Cash Rewards Visa® stands out as one of the easiest high-limit credit cards to obtain for Canadians with fair credit. The card typically offers a credit limit based on your overall creditworthiness, with higher limits possible if your financial profile is strong. There is no annual fee, and all cardholders enjoy a simple and valuable rewards structure: 1.5% cash back is earned on every purchase.
Interest rates will depend on the applicant’s credit, but Upgrade is generally competitive for those within the fair to good credit range. The minimum credit score required is moderate, making this an accessible option if you’re rebuilding or just starting to grow your credit history in Canada.
Cómo solicitar una mejora a la tarjeta Visa® Cash Rewards
- Check your eligibility and have your financial details on hand.
- Fill out the Upgrade online application form.
- Submit income and employment information for review.
- Wait for a quick decision, typically delivered within minutes.
- On approval, review the offered credit limit and complete the process.
Ventajas clave
One of the best perks is the 1.5% cash back on all purchases, credited as you make payments on your balance. This is a straightforward way to get value from every dollar spent without worrying about quarterly categories or point conversions.
The card’s accessibility is a major advantage, as Canadians with moderate or fair credit can qualify. There’s also no annual fee, making it an affordable choice for everyday spending and credit-building.
Desventajas a considerar
Credit limits are determined based on your creditworthiness, so those with lower scores may not receive the highest possible amount. Additionally, rewards are credited as you pay off your balance, instead of instantly.
This card may not be ideal if you need premium benefits such as travel insurance or airport lounge access. It is designed for everyday spenders seeking simplicity and growth, not travel perks or luxury features.
Veredicto final
The Upgrade Cash Rewards Visa® is valued for its high potential limits and easy qualification process, especially if your credit is fair or you’re working on improving it. With no annual fee, 1.5% cash back, and a fast application, it’s an excellent way to get started with a high-limit card in Canada.
