What is the Upgrade Card?

The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. Use the Upgrade Card online and at retail locations or have funds sent to your bank account.

Learn more about the Upgrade Card.

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

(2) If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. Your interest rate may be adjusted after the first 12 months your account is opened for future purchases or draws. For more information, please refer to your Personal Credit Line Agreement.

Articles in this section

• Are there any fees to use the Upgrade Card?
• Are there any foreign transaction fees when I use my Upgrade Card internationally?
• Can I use my Upgrade Card at an ATM?
• Can I use my Upgrade Card with my phone or device?
• Does my Upgrade Card come with Visa benefits?
• How are the rates fixed on an Upgrade Card?
• How can I use my Upgrade Card?
• How do I activate my card?
• How do I add my Upgrade Card to Apple Pay® or Google Wallet™?
• How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card?