Upgrade Card
$200 bonus when you open a Rewards Checking account and make 3 debit card transactions1
Find the Upgrade Card That's Right for You
Average to excellent credit

Cash Rewards
Unlimited 1.5% cash back on payments2
Get more infoNo fees

Average to excellent credit
Triple Cash Rewards
Unlimited 3% cash back on payments for purchases in Home, Auto, and Health categories3
Get more infoNo fees
Average to excellent credit

Triple Cash Rewards
Unlimited 3% cash back on payments for purchases in Home, Auto, and Health categories3
Get more infoNo fees
Average to excellent credit

Bitcoin Rewards
Unlimited 1.5% back in bitcoin on payments4
Get more infoNo fees except bitcoin sale fee4
You're in Control with Upgrade Card
Convenient
Use at retail locations or online, or send funds to your bank account
Lower 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
Upgrade Card | Traditional Credit Card | |
---|---|---|
Time to pay off the balance | 2 years i | 28 years ii |
Interest paid over that time | $2,102.71 iii | $14,423.16 ii |
i. Example of amortization period using Upgrade Card.
ii. 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/).
iii. 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 from $500 to $25,000 with your Upgrade Card 5
Make purchases or get funds sent to your account
Pay with Upgrade Card at retail locations and online wherever Visa® is accepted or get funds sent to your bank account6
Pay it down
Make monthly payments, which can be debited directly from your bank account
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™.
From Our Customers
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