Find the Upgrade Card that's right for you | Upgrade
Cash Rewards
1.5% Cash back
rewards on all purchases 1
- No annual fee
- Check for an offer with no credit score impact
$200 bonus
when you also open a Rewards Checking Preferred account and make 3 debit card transactions 2
Find the Upgrade Card That's Right for You
Life Rewards
3% CASH BACK ON GAS, GROCERIES & MORE No annual fee
Cash Rewards
UNLIMITED 1.5% CASH BACK NO ANNUAL FEE
Upgrade Select
GET THE CREDIT YOU NEED $39 ANNUAL FEE
You're in control with Upgrade Card
Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan
Convenient
Swipe, tap, insert or purchase online anywhere Visa 3 is accepted to get rewarded
Lower cost
Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual fee 4
Predictable
Pay down balances from each month at a fixed rate on each purchase
Save on interest over time with Upgrade Card
Each Upgrade Card balance has 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 | $196.13iii | $145.83i |
| Time to pay off the balance | 3 yearsiii | 23 yearsii |
| Interest paid over that time | $2,060.20iii | $8,929.28ii |
- The minimum payment on a traditional credit card would begin at $145.83 for the first payment and would vary, and decreases, as it's paid down.
- Calculated using a minimum monthly payment calculator, assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 23.00%, which is approximately equal to the national average rate for accounts assessed interest, as of November 2024 ( Source).
- Total interest of $2,060.20 assumes a $5,000 purchase and instalment payments of $196.13 for 36 months. Instalment payments calculated with 23.00% APR and 36-month term accounting for interest accrued between the charge date and the due date 51 days later.
How it Works
Apply for Upgrade Card
Check for an offer with no credit score impact
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted 3
Make monthly payments
Use AutoPay for simple, automated payments
Get rewarded
Earn unlimited cash back every day on every purchase when you pay it back
Unlock savings on your favorite brands!
Discover offers, shop, and watch the discounts roll in. 5
Chip enabled contact-less Upgrade Card
No touch payment is fast, safe, and hassle-free.
Pay with your phone or device by using Apple Pay® or Google Wallet™.
Manage your money on the go with the Upgrade app
Point your phone's camera at this code to download the app
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