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Payment Options

More ways to pay with your Upgrade OneCard

Flexible ways to pay for each purchase

You can always pay just like any credit card

Pay any amount, from the minimum due to your full balance by your due date each month. This is how you pay for your purchases unless you choose one of the payment options.

Or, change how you pay for a purchase after it posts

Pay Now

  • Earn credit card rewards on purchases you'd normally pay with a debit card
  • Keep your credit line open for what's next
  • Pay it off the same day it posts, with no interest
  • Get Visa’s Zero Liability protection on every authorized purchase

Pay Over Time

  • Pay off a bigger purchase by splitting it into predictable monthly payments
  • Start your plan with $0 down
  • Your rewards stay put when you move a purchase to Pay Over Time
  • No interest, just a simple, fixed monthly fee

Coming soon

Pay in 4

  • Split a purchase into 4 payments over 6 weeks
  • No upfront fees or interest when you pay on time
  • Built right into your card with no credit check needed
  • Biweekly payments that fit your pay schedule

How Pay Now works?

How Pay Over Time works?

How Pay in 4 works? (Coming Soon)

How Pay Now works?

Make a purchase with your card Earn credit card rewards on it, just like you always do.

Choose Pay Now by 10pm PT Use Pay Now on the day your transaction posts to pay it off right away. Or set a limit to automatically pay it off.

We handle the rest We'll pay off your transaction at 10 PM PT, with no interest, so your credit line stays open for what's next.

OneCard Pay Now Feature GIF

Compare your flexible payment choices

No sign-up fees. No interest charges. Choose the option that fits each purchase.

Features
Purchase amount
Time to convert your purchase
How you pay
Monthly fee
Cash back rewards
Best for
Pay Now
Pay it off right away
No limit
Within 12 hours of purchase posting
One time, or automatically
$0
Earned
Purchases you'd normally make with a debit card
Pay Over Time
Split into monthly payments
$100 or more
Before your statement period ends
6, 9, 12, 18, 24 or 36 monthly payments
Fixed monthly fee
Earned
Larger purchases you want to pay off over time
Pay in 4
Four biweekly payments (Coming soon)
$50 – $500
Within 24 hours of purchase appearing
1 upfront + 3 biweekly payments
$0
Not earned
Splitting your purchase into 4 interest-free payments