Find the Upgrade Card That's Right for You
No annual fee
No annual fee
No annual fee
You're in control with Upgrade Card
Convenient
Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded
Lower cost
Set payoffs so you can bring your balance down faster so you can pay less interest
And, no annual fee5
Predictable
Pay down balances from each month at a fixed rate and term
Save on interest over time with Upgrade Card
Upgrade Card balances have a fixed rate and term so you know when you pay off your balance and can save on interest. Traditional credit cards can keep you in debt with minimum payments that pay back little of the principal balance.
Bring your balance down faster to pay less interest
Interest paid on a $5,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment
Upgrade Card | Traditional Credit Card | |
---|---|---|
Monthly payment | $182.66 | $125i |
Time to pay off the balance | 3 years | 22 yearsii |
Interest paid over that time | $1,575.71iii | $6,923.09ii |
i. The minimum payment on a traditional credit card would begin at $125.00 for the first payment and would vary, and decreases, as it’s paid down.
ii. Source: minimum monthly payment calculator available at https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source:https://www.cardrates.com/).
iii. Interest of $1,575.71 assumes a $5,000 charge and installment payments of $182.66 for 36 months. Installment payments calculated with 18% APR and 36–month term accounting for interest accrued between the charge date and the due date 51 days later.
How it works
Apply for Upgrade Card
Get a credit line from $500 to $25,000 2
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted4
Make monthly payments
Use AutoPay for simple, automated payments
Get rewarded
Earn unlimited cash back everyday on every purchase when you pay it back
Up to 10% cash back at 1,000s of stores
Use your Upgrade Card to get up to 10% cash back from your favorite brands.6
Chip enabled contact-less Upgrade Card
Pay with your phone or device by using Apple Pay® or Google Wallet™.
From Our Customers
Need Help?
Email us at
support@upgrade.com