
- No fees
- Credit lines from $500 to $25,000**
- Use wherever Visa® is accepted***
Personal Loans up to $50,000
A smarter way to use credit.
Won’t impact your credit score.
How Upgrade Card Works

Get your Upgrade Card
Apply online and get a credit line up to $25,000** with your Upgrade CardMake purchases or get funds sent to your account
Pay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.* Or get funds sent to your bank accountPay it down
Make monthly payments, which can be debited directly from your bank account, and get your unlimited 1.5% cash back on payments*