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Upgrade Card

Affordable credit lines from $500 to $25,0001

    $200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions2
    No annual fee
    Use wherever Visa® is accepted with safe and fast contactless card technology4

You're in Control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Use at retail locations or online or send funds to your bank account

Lower Cost

No annual or late fees and 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


Get your Upgrade Card

Apply online and get a credit line from $500 to $25,000 with your Upgrade Card1


Make purchases or get funds sent to your account

Pay with Upgrade Card at retail locations and online or get funds sent to your bank account


Pay it down

Make monthly payments, which can be debited directly from your bank account

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 $5,000 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

22 yearsii

Interest paid over that time



i. The minimum payment on a traditional credit card would begin at $125.00 for the first payment and would vary, and decreases, as it’s paid down.

ii. Source: minimum monthly payment calculator available at assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source:

iii. Interest of $1,575.71 assumes a $5,000 charge and installment payments of $252.25 for 36 months. Installment payments calculated with 18% 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

Activate Upgrade Shopping offers from participating merchants via your account dashboard.4 Then shop online through Dosh or at stores, using your Upgrade Card. You can get up to 10% cash back as a statement credit on qualifying purchases.

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