Overall card rating

4.5
207 Reviews
from Credit Karma members

Most helpful positive review

Aug 06, 2021
Awesome
Credit Karma Member

This is my second card. The approval process was quick and they give reasonable credit limit. So far I’m very pleased with them. I would recommend highly.

Helpful101
Not Helpful60
Comment5
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Most helpful negative review

Aug 07, 2021
Applied
Credit Karma Member

There is not much benefits from this card and rates are crazy 29% ouch

Helpful134
Not Helpful46
Comment13
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Member ratings


All member reviews (207)

143
20
9
2
33

Aug 07, 2022
$500 bonus easy
Credit Karma Member

Simple 3 transactions with the checking account and free money thanks

Helpful2
Not Helpful0
Comment2
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Aug 05, 2022
Bad
Credit Karma Member

"Outstanding" approval odds. Denied.

Helpful8
Not Helpful3
Comment2
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Jul 31, 2022
Credit Karma did Not Honor $50 Reward
Credit Karma Member

I Applied To This Upgrade Bitcoin Card and Credit Karma had a Promo that if I Got Declined I Would Get $50 From Credit Karma But They Did Not Want to Honor This Promotion When I Got Declined

Helpful23
Not Helpful5
Comment1
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Jun 04, 2022
Good
Credit Karma Member

Good

Helpful2
Not Helpful1
Comment0
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May 21, 2022
Card helping rebuild credit
Credit Karma Member

Gave me a great limit while trying to rebuild my credit

Helpful4
Not Helpful0
Comment0
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May 17, 2022
Great card
Credit Karma Member

This card has a very easy application process with access to a virtual card until your real card arrives so you can use it immediately and it is more like a line of credit because you can transfer cash to your account

Helpful7
Not Helpful3
Comment0
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Apr 30, 2022
Got Approved for my Second Upgrade Credit Card
Credit Karma Member

I recently was approved for a second Upgrade Credit Card. The process was fast and easy since I had been approved for my first card less then a year ago.

Helpful9
Not Helpful0
Comment1
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Apr 21, 2022
Deceiving
Credit Karma Member

This is not a Credit Card, it is a line of credit that you’re applying for a loan to obtain. They claim it operates as a credit card but they are not transparent in the advertising.

Helpful90
Not Helpful0
Comment4
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Apr 17, 2022
My go to card
Credit Karma Member

Fast approval, attractive looking card, and great customer service

Helpful1
Not Helpful5
Comment1
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Apr 13, 2022
Never, never, never!
Credit Karma Member

This card is weird! On your credit report it doesn't show up as a credit card, it shows up as a loan. After I looked closer, it turns out that every time you swipe your card, you're essentially signing a "loan" that runs concurrent to all of your other "loans", which also increases your monthly payment. Upgrade makes it very difficult do manual payments, and even more difficult to unenroll from automatic ones. Their actual loans are probably find, but I never expect to open another credit card through them. Insult to injury, there's no obvious way to withdraw your Bitcoin rewards to an external wallet, and there's no obvious way to use them internally, so it's basically worthless.

Helpful91
Not Helpful5
Comment0
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1-10 of 207

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