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Upgrade Cards

Upgrade Select

Get the credit you need

    Unsecured credit lines from $500 to $2,0001
    $39 annual fee2
See if you have an offer with no impact to your credit score

You're in control with Upgrade Card

Combine the flexibility of a credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted

Lower cost

Set payoffs bring your balance down faster so you can pay less interest


Pay down balances from each month at a fixed rate and term

How it Works

Apply for Upgrade Card

Get a credit line from $500 to $2,0002

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted4

Make monthly payments

Use AutoPay for simple, automated payments

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 $1,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment

Upgrade Card
Traditional Credit Card
Monthly payment


Time to pay off the balance
3 years

10 yearsii

Interest paid over that time



i. The minimum payment on a traditional credit card would begin at $28.33 for the first payment and would vary, and decreases, as it’s paid down.

ii. Source: minimum monthly payment calculator available at assuming a $1,000 starting balance, “interest + 1%” minimum payment and an interest rate of 22.00%, which is approximately equal to the national average rate for credit card accounts assessed interest. (source:

iii. Interest of $392.17 assumes a $1,000 charge and installment payments of $38.68 for 36 months. Installment payments calculated with 22.00% APR and 36–month term accounting for interest accrued between the charge date and the due date 51 days later.

Plus, earn up to 10% cash back with Upgrade Shopping powered by Dosh®

Cash back

Use your Upgrade Card to get up to 10% cash back on from your favorite brands5

Upgrade on the go

Manage your account with the app

Apple App StoreGoogle Play Store
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Upgrade Card FAQs

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