Overall card rating

4.2
137 Reviews
from Intuit Credit Karma members

Most helpful positive review

Oct 05, 2022
Card linked to personal loan
Credit Karma Member

I was having a hard time being approved anywhere and Upgrade said YES! Not just for a tiny 300 card with 39% Apr but to a 3500 dollar line of credit that I may use piece by piece with a debit card or even transfer other balances over from those crappy 39% cards to this line at 24%. This was truly my saving grace and I have no clue how I could ever repay their kindness and trust in me save leaving these reviews EVERYWHERE!!

Helpful133
Not Helpful36
Comment1
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Most helpful negative review

Sep 13, 2022
Not Customer Friendly
Credit Karma Member

The person processing the loan was a jerk. Basically implying that he has to power to approve or deny you based on how well he liked you.

Helpful217
Not Helpful59
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Member ratings

Application process
Customer service

All member reviews (137)

84
16
5
3
29

Dec 04, 2023
It's a loan in disguise
Credit Karma Member

I applied for this card to continue my credit building and for my pc purchase from Dell. What I learned is they are not actually a credit card but a line of credit. I was ok until they asked me to send them my pension papers and had me link my bank account before I actually got completely approved. I was approved for 1k but they said 2k. They refused to give me the other 1k until they got my pension papers. I stopped my bank from sharing and I dropped them, seems a bit scammish to me.

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Nov 29, 2023
Excellent service
Credit Karma Member

Excellent

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Nov 26, 2023
PURE DECEPTION
Credit Karma Member

I had 2 accounts 1 green/1black card. The first I was offered 25k, and because i did NOT rush my application,it was immediately dropped to 5k..THEN they locked the account to not be allowed to charge again after i made my first charge and made payments..never late to date.....THENN when i got the blk card, they allowed someone from the U.K. NOT U.S. to charge over 3k on my account with profe information NOT mine...they changed my cell number and state i live in...im a male and the perp was a female and a male....this company will ALLOW you to be ruined.

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Nov 07, 2023
Not a credit card
Credit Karma Member

Credit karma recommended I get another card and after reviewing the offers available I chose upgrade. TURNS OUT, it’s a personal line of credit, NOT A CREDIT CARD…. So it didn’t help my credit at all. Also, not one single statement has balanced. It is always off sometimes up to $25 I also tried to call to change my phone number and they wouldn’t allow me….

Helpful5
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Nov 06, 2023
This card is awesome I recommend it to everyone
Credit Karma Member

It's easy to use no hassles

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Nov 05, 2023
Great card
Credit Karma Member

They approved me with no problem, couldn't be happier

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Oct 18, 2023
Great card
Credit Karma Member

Great card to have.

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Oct 16, 2023
a;plication
Credit Karma Member

Applied and was approved after submitting required info. Very happy with the process and quick response . Very happy with my experience with Upgrade.

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Oct 06, 2023
Don't waste a pull on your credit!
Credit Karma Member

This card is for people with not so perfect credit, because if our credit was great we would never apply for this card. I got a $300 cl, never had a late payment. They gave me a $100 bonus, with took my limit to $400. I haven't been able to use this card for over 6 mths. Because my credit score dropped a few points. I called and spoke to an cs rep, I said isn't this card for people with some credit issues? I have never been late or over the limit, why would you give me a extra $100 and I can't even use the card? Once this card is paid off, I will cut it and burn it. Capital One treats their customers like real people, and they reward you for being a good customer, not punish you and lock your card due to your score dropping a few points. Upgrade is a downgrade!

Helpful9
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Oct 02, 2023
So far so good!
Credit Karma Member

Was approved, super easy. Have not used the card yet but security in knowing it is there if I need and. Terms seem easy and better than a regular credit card

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