Before you apply: Learn more about Upgrade OneCard

Applying won't affect your credit score, so you can apply with confidence. If you're approved, a hard inquiry will be made, which may impact your credit score. 

After you submit your application, we'll let you know our decision quickly. Here's what happens next: 

If you're approved: Set your account password and head to your Account Dashboard to explore your new account. Your card will be on its way and should arrive within 7–10 business days, sometimes sooner. Keep in mind that approval results in a hard inquiry, which may have an impact on your credit score. 

If we're unable to approve your application: You'll receive an explanation of why we weren't able to offer you credit at this time. If you’re not approved, there’s no impact on your credit score. 

If we need a little more information: Occasionally we need some more information before we can make a decision. If that's the case, we'll reach out and let you know exactly what we need. 

Most Upgrade OneCards offer Visa Signature benefits, including Roadside Dispatch, Travel and Emergency Assistance Services, Visa's Zero Liability Policy and more. Sign in to your Account Dashboard to review the details.