Upgrade Select Card Details - No Annual Fee for the First Year

Rates, Fees and Terms

Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 21.96% - 29.99% based on creditworthiness. Balance transfers are subject to a fee of up to 5% per transfer. Foreign transactions are subject to a fee of up to 3% per transaction. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Annual Fee of $39 per year. The lowest rates require Autopay. For example, a $1,000 card purchase with a 36 month term and a 22.00% APR has a required monthly payment of $38.68. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements, but your line will not replenish automatically.

The $39 to $48 annual fee will be waived for the first year. To continue to have access to your credit line, on the first anniversary of your account opening and on each anniversary thereafter, you will be charged the $39 to $48 annual fee. The fee is non-refundable and applies whether or not you use your Upgrade Card. It will be paid as a draw on your credit line, billed in twelve (12) equal monthly installments with no interest, and will reduce the amount of credit you have available.

Upgrade Shopping

With Upgrade Shopping, you can redeem purchase offers from participating merchants. For the current list of merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full Upgrade Shopping terms, please review the Upgrade Shopping Terms and Conditions.

Visa Zero Liability Policy

With Visa Signature benefits, certain restrictions, limitations and exclusions apply. With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made using your Upgrade Card or card information, when you report them promptly. This does not apply to transactions not processed by Visa. Terms apply. For more information, please refer to your Cardholder Agreement.

ATM Acceptance

Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.

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