# Upgrade Card

## Are there any fees to use the Upgrade Card?

## Are there any foreign transaction fees when I use my Upgrade Card internationally?

## Can I use my Upgrade Card at an ATM?

## Can I use my Upgrade Card with my phone or device?

## Does my Upgrade Card come with Visa benefits?

## How are the rates fixed on an Upgrade Card?

## How can I use my Upgrade Card?

## How do I activate my card?

## How do I add my Upgrade Card to Apple Pay® or Google Wallet™?

## How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card?

## How do I redeem my Upgrade Card Rewards?

## How do I report my Upgrade Card lost or stolen?

## How do I transfer an existing balance to my Upgrade Card?

## How do I use my contactless Upgrade Card?

## How long will it take to receive my Upgrade Card?

## Is there a minimum monthly payment for my Upgrade Card?

## Upgrade Card Details

## Upgrade Cash Rewards Card Details

## Upgrade Cash Rewards Elite Card Details

## Upgrade Life Rewards Card Details

## Upgrade Life Rewards Focus Card Details

## Upgrade MyFive Cash Rewards Card Details - Up to $1,500 in Quarterly Spend

## Upgrade MyFive Cash Rewards Card Details - Up to $3,000 in Quarterly Spend

## Upgrade Select Card Details

## Upgrade Select Card Details - No Annual Fee for the First Year

## Upgrade Triple Cash Focus Card Details

## Upgrade Triple Cash Rewards Card Details

## Upgrade Triple Cash Rewards Card Details - 3% Cash Back

## Upgrade Unlimited Cash Rewards Card Details

## Welcome Bonus Offer Details: Spend in Select Merchant Categories and/or With Your Digital Wallet

## What is a draw?

## What is the Upgrade Card (opened before 06/20/26)?

## What rates are offered on the Upgrade Card?

## What should I do if my Upgrade Card is expiring soon?

## What’s the difference between the Upgrade Card and a personal loan?

## Why choose an Upgrade Card instead of a home equity line of credit (HELOC)?

## Why use the Upgrade Card instead of a credit card?