Find the Upgrade Card That's Right for You
You're in Control with Upgrade Card
Swipe, tap, insert or purchase online anywhere Visa7 is accepted to get rewarded
Set payoffs so you can bring your balance down faster so you can pay less interest
And, no annual or late fees9
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
Traditional Credit Card
Time to pay off the balance
Interest paid over that time
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 $252.25 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 3
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted7
Make monthly payments
Use AutoPay for simple, automated payments
Earn unlimited cash back everyday, on every purchase1
Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®
Activate Upgrade Shopping offers from participating merchants via your account dashboard.8 Then shop online through Dosh or at stores, using your Upgrade card. You can get up to 10% cash back as a statement credit on qualifying purchases. And Upgrade Shopping cash back is earned in addition to other Upgrade Card rewards.