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That's a good bit different from how most credit cards work, and it could make monthly budgeting a lot easier. The Upgrade Cash Rewards Visa® also earns a solid 1.5% cash back on purchases. Still ...

Now let’s look at the second year with the same $500 credit limit. The annual fee will now be $49, and the account maintenance fee will cost $180 for the year, so the card now costs $229.