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What is the Upgrade OneCard?

The Upgrade OneCard is a credit card that empowers customers to make deliberate choices about managing short-term and long-term expenses by setting preferences to pay off purchases now with no interest (Pay Now) or later in monthly installments with each balance having its own fixed rate (Pay Later)

Customers with a Rewards Checking, Rewards Checking Plus, or Rewards Checking Preferred account (“Rewards Checking Account”) through Upgrade can link that account through Upgrade can link that account to the Pay Now feature of their OneCard and tap into Extra Spending Power. Linking Rewards Checking Account to OneCard allows customers to make payments to their OneCard and to take advantage of the higher OneCard rewards program, all while avoiding any interest on their Pay Now purchases.