Upgrade Card
Affordable credit line and 1.5% cash back rewards on payments*
You're in Control with Upgrade Card
Convenient
Use at retail locations or online and earn unlimited 1.5% cash back on payments.* 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
How it Works
Get your Upgrade Card
Apply online and get a credit line up to $25,000** with your Upgrade Card
Make 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 account
Pay 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