Upgrade Select

Upgrade Card helps you manage your credit by combining the flexibility of a credit card with the predictability of a personal loan.

You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other credit card issuers to your card, subject to applicable fees.

Each Upgrade Card balance has a fixed rate and term so you know when you pay off your balance and can save on interest. By comparison, most credit cards have a low minimum monthly payment. With minimum payments, you tend to pay off less of the principal and may stay in debt for extended periods of time.

Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use.

With a personal loan, your funds are disbursed in a lump sum once you're approved. If you need additional money, you’ll need to apply again to borrow additional funds. You are responsible to pay back the full amount that you borrow, plus interest, even if you do not use the loan proceeds as you planned.

Upgrade Card is unsecured so you do not need to provide a cash or security deposit or any other collateral.

Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.

First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.

Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.