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  • CONSUMER OFFERS (4)
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Upgrade Triple Cash Rewards Visa®

Apply for Upgrade Triple Cash Rewards Visa® - Credit-Land.com
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APPLY NOW

Excellent, Good, Fair, Average Credit

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories
  • No annual fee
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for large purchases with predictable payments you can budget for
  • 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

our choice

$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply

Upgrade Life Rewards Visa®

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Excellent, Good, Fair, Average Credit

our choice

Rating 3.9

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
  • No annual fee
  • Pay no interest when you pay your full balance early*
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • No touch payments with contactless technology built in
  • See if you qualify in seconds with no impact to your credit score
  • Great for everyday expenses and large purchases with predictable payments you can budget for
  • 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

our choice

$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply
$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
Rewards on everyday purchases:
unlimited 1% cash back on all other purchases
Redemption Options:
See terms

Upgrade Cash Rewards Visa®

Apply for Upgrade Cash Rewards Visa® - Credit-Land.com
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APPLY NOW

Excellent, Good, Fair, Average Credit

our choice

Rating 3.8

  • $200 bonus after opening a Rewards Checking Plus 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
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • 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

our choice

$200
Cash Back Bonus
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
Rewards on everyday purchases:
1.5% unlimited cash back on every purchase
Redemption Options:
See terms
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
Up to 3%
Late Payment Fee:
May apply

Upgrade Select Visa®

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APPLY NOW

Fair, Average, Poor Credit

our choice

Rating 3.5

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
  • Combine the flexibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • 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
  • See Rates & Fees

our choice

Welcome Offer
Bonus Offer:
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
Up to
10%
Cash Back
Max. Rewards:
Up to 10% cash back from your favorite brands with Upgrade Shopping
Unsecured Card
Annual Fee:
$39
Regular APR:
14.99% - 29.99%
Late Payment Fee:
May apply

BILL Divvy

Apply for BILL Divvy - Credit-Land.com
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Excellent/Good Credit

our choice

Rating 4.6

  • Control your rewards earnings: earn 2x - 7x on restaurants, 2x - 5x on hotels, 1.5x - 2x on recurring software subscriptions and 1x - 1.5x on everything else.
  • There are no annual fees, no monthly fees, no initiation fees, and no hidden fees.
  • Earn rewards points daily on every dollar spent. BILL points are uncapped and never expire.
  • Seamless, automatic expense management with BILL Spend & Expense software.
  • Each employee gets a card that can be controlled by your admin
  • Set budgets to control spend.
  • Scalable credit lines.
  • Access to virtual cards for greater control of your online purchases and subscriptions.

our choice

Up to
7X
Points on Restaurants
Max. Rewards:
Control your rewards earnings: earn 2x - 7x on restaurants, 2x - 5x on hotels, 1.5x - 2x on recurring software subscriptions and 1x - 1.5x on everything else.
Rewards on Everyday Purchases:
1x - 1.5x on everything else
Rewards Expiration:
BILL points are uncapped and never expire.
$0
Annual Fee
Annual Fee:
$0
Foreign Transaction Fee:
See terms
Late Payment Fee:
See terms
Earn More
on Your
Daily Spending
Rewards on everyday purchases:
1x - 1.5x on everything else
Max. Rewards:
Control your rewards earnings: earn 2x - 7x on restaurants, 2x - 5x on hotels, 1.5x - 2x on recurring software subscriptions and 1x - 1.5x on everything else.
Redemption Options:
Flexible redemption options on your business expenses.

Cross River Bank

Credit Card Offers

Cross River Bank offers custom banking solutions to its partners. They provide card programs that include card issuing and account management services.


Cross River offers customers reliable credit building products, including secured cards, charge cards, consumer credit cards, and commercial credits. The cards issued by Cross River are connected to major card networks like Visa, Mastercard, or American Express.


Account products from Cross River include FBO, checking, or savings accounts. All accounts are FDIC-insured.


Cross River Bank partners include Upgrade, Stripe, Best Egg, Plaid, and Divvy to name a few. Upgrade, Inc. is a neobank that offers credit and banking products to consumers and delivers fixed-rate credit cards and loans. Divvy, which is now BILL Spend & Expense, is the all-in-one expense management solution with free software and corporate cards that provides real-time visibility and customizable control over business expenses.

questionsABOUT
CREDIT CARDS

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