Upgrade Select
Get the credit you need
- $200 bonus when you also open and fund a Rewards Checking Plus account and make 3 debit card transactions1
- Use wherever Visa® is accepted with safe and fast contactless card technology2
- Unsecured credit lines from $500 to $2,0003
- $39 annual fee4
You're in Control with Upgrade Card
Convenient
Swipe, tap, insert or purchase online anywhere Visa is accepted2
Lower Cost
Set payoffs bring your balance down faster so you can pay less interest
Predictable
Pay down balances from each month at a fixed rate and term
How it Works
1
Apply for Upgrade Card
Get a credit line from $500 to $2,000 3
2
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted2
3
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 | $38.68 | $28.33i |
Time to pay off the balance | 3 years | 10 yearsii |
Interest paid over that time | $392.17iii | $1,193.25ii |
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 https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx 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: https://www.federalreserve.gov/releases/g19/current/).
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®
Activate Upgrade Shopping offers from participating merchants via your account dashboard.5 Then shop online through Dosh or at stores, using your Upgrade Card.