Upgrade Card
The smarter way to pay
- No fees
- Credit lines from $500 to $20,000*
- Use wherever Visa® is accepted**
- Lower cost than traditional credit cards
You´re in Control with Upgrade Card
Convenient
Use at retail locations or online. Or send funds to your bank account
Low Cost
No fees and set payoffs bring your balance down faster so you pay less interest ‡
Predictable
Pay down balances from each month at a fixed rate with equal monthly payments
Lower Cost than Traditional Credit Cards
by a user making a credit card's monthly minimum payment
| Upgrade Card | Traditional Credit Card | |
|---|---|---|
| Time to pay off the balance | 2 years 1 | 28 years 2 |
| Interest paid over that time | $2,102.71 3 | $14,423.16 2 |
1. Example of amortization period using Upgrade Card
2. Source: minimum monthly payment calculator available at https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx assuming a $10,000 starting balance, “interest + 1%” minimum and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source: https://www.cardrates.com/).
3. Interest of $2,102.71 assumes a $10,000 charge and installment payments of $504.29 for 24 months. Installment payments calculated with 18% APR and 24-month term accounting for interest accrued between the charge date and the due date 51 days later.
How it Works
Get your Upgrade Card
Apply online and get a credit line up to $20,000* with your Upgrade CardMake purchases or get funds sent to your account
Pay with Upgrade Card at retail locations and online everywhere Visa® is accepted or get funds sent to your bank accountPay it down
Make monthly payments which can be debited directly from your bank account. Prepay any amount at any time with no penalty
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