You're in Control with Upgrade Card
Use at retail locations or online and earn unlimited 1.5% cash back on payments.* Or send funds to your bank account
No fees and set payoffs bring your balance down faster so you pay less interest ‡
Pay down balances from each month at a fixed rate with equal monthly payments
Lower Cost than Traditional Credit Cards
|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 CardApply online and get a credit line up to $25,000** with your Upgrade Card
Make purchases or get funds sent to your accountPay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.* Or get funds sent to your bank account
Pay it downMake monthly payments, which can be debited directly from your bank account, and get your unlimited 1.5% cash back on payments*
Unlimited 1.5% Cash Back on Payments
Get rewarded when you pay down your balance
Earn 1.5% cash back on Upgrade Card purchases when you pay them back.*
Chip Enabled Contactless Upgrade Card
No touch payment is fast, safe, and hassle-free.
Pay with your phone or device by using Apple Pay™ or Google Pay™.