Skip to content

Why use the Upgrade Card instead of a credit card?

The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. Each Upgrade Card balance has a fixed rate and term, so you know when you pay off your balance and can save on interest over time.*

In contrast, traditional credit cards have no set pay-off date and can keep you in debt with minimum payments that pay back little of the principal balance. Credit cards often come with variable rates that may increase on existing balances when the prime rate goes up.

Learn more about the Upgrade Card.

*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

See more