Pay Now

Pay Now lets you automatically pay off purchases the day they settle. These payments go directly toward your principal balance, helping you avoid interest on those purchases. And if your Upgrade OneCard earns rewards, you'll still earn them on every Pay Now purchase.

Here's how it works:

• Sign in to your Account Dashboard to set up Pay Now • Choose which purchases you want to Pay Now — like all purchases of $25 or less — or pick specific transactions • Connect your bank account to enable Pay Now payments • Every day at or after 10pm Pacific Time, we'll automatically debit your designated bank account to pay off that day's settled Pay Now purchases

Most everyday purchases at or under the amount you set are eligible for Pay Now. You'll be able to see which ones qualify right in your Account Dashboard.

Some transactions, such as purchases with an introductory or promotional APR, and anything converted to a Pay Over Time Plan or Pay in 4 Loan, are not eligible.

Yes. You can switch any purchase between Pay Now and your standard purchase balance up until 10pm Pacific Time the day it settles. Sign in to your account dashboard to make the change.

If the payment fails from your primary bank account, if you cancel your Pay Now payment, those purchases will move back to your standard balance for that transaction type and may accrue interest. 

Yes. Pay Now payments are separate from your minimum monthly payment. You still need to make your regular minimum payment on time to keep your account in good standing and to help avoid late fees.

No. Pay Now is free to use, and you won't pay interest on purchases you designate as Pay Now, as long as you make your minimum monthly payments on time.

If you miss a minimum payment, those Pay Now purchases may start accruing interest according to your standard card terms.

Yes, if you have an Upgrade OneCard that earns rewards. You'll earn the same cash back rewards on Pay Now purchases as you do on all your other purchases. Pay Now doesn't change how you earn rewards; it just changes how you pay.

OneCard customers whose accounts are in good standing can use Pay Now. Eligibility can change based on your account activity and payment history.

You can change or turn off Pay Now at any time in your settings within the Account Dashboard, or call us at (844) 633-0740. You need to make any changes by 10pm PT before your next scheduled payment; these changes will be applied to your future transactions.