Upgrade Card
Affordable credit line and 1.5% cash back rewards on payments*
$100 bonus after $500 in purchases and 3 on-time payments**
No fees
Credit lines from $500 to $25,000***
Use wherever Visa ® is accepted with safe and fast contactless technology†
You're in Control with Upgrade Card
Combine the flexibility of a credit card with the predictability of a personal loan
Convenient
Lower Cost
Predictable
How it Works
Get your Upgrade Card
Apply online and get a credit line up to $25,000** with your Upgrade CardMake purchases or get funds sent to your account
Pay 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 accountPay it down
Make monthly payments, which can be debited directly from your bank account, and get your unlimited 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.1
Your cash back balance
As of Dec 5, 2024
$35.56
Lifetime Cash Back
$360.50