Find the Upgrade Card That's Right for You
Life Rewards3% cash back Gas, Grocery, and more
No annual fee
No annual fee
Cash RewardsUnlimited 1.5% cash back
No annual fee
No annual fee
Upgrade OneCardPay now or pay later
No annual fee
No annual fee
Upgrade SelectGet the credit you need
$39 annual fee
$39 annual fee
You're in control with Upgrade Card
Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan
Convenient
Lower cost
And, no annual fee5
Predictable
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
| $182.66iii | $125i
|
Time to pay off the balance
| 3 yearsiii | 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
Tap, swipe, click and go
Make monthly payments
Get rewarded
Upgrade Shopping
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.6Chip enabled contact-less Upgrade Card
No touch payment is fast, safe, and hassle-free.
Pay with your phone or device by using Apple Pay® or Google Wallet™.
From Our Customers
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