Upgrade Select

Get the credit you need

• Check for an offer with no credit score impact
• $39 annual fee 1

$200 bonus

when you also open a Rewards Checking Preferred account and make 3 debit card transactions 2

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

Lower cost

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

Predictable

Pay down balances from each month at a fixed rate on each purchase

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

Unlock savings on your favorite brands!

Discover offers, shop, and watch the discounts roll in. 4

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

i. The minimum payment on a traditional credit card would begin at $31.67 for the first payment and would vary, and decreases, as it's paid down.

ii. Calculated using a minimum monthly payment calculator, assuming a $1,000 starting balance, “interest + 1%” minimum payment and an interest rate of 26.00%, which is approximately equal to the national average rate for accounts assessed interest, as of November 2024 ( Source).

iii. Total interest of $472.09 assumes a $1,000 purchase and installment payments of $40.90 for 36 months. Installment payments calculated with 26.00% APR and 36-month term accounting for interest accrued between the charge date and the due date 51 days later.

Manage your money on the go with the Upgrade app

Point your phone's camera at this code to download the app

Upgrade Card FAQs

What is Upgrade Card?

Upgrade Card helps you manage your credit by combining the flexibility of a credit card with the predictability of a personal loan.

How can I use my Upgrade Card?

You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other credit card issuers to your card, subject to applicable fees.

Why choose Upgrade Card instead of personal loan?

Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use.

With a personal loan, your funds are disbursed in a lump sum once you're approved. If you need additional money, you’ll need to apply again to borrow additional funds. You are responsible to pay back the full amount that you borrow, plus interest, even if you do not use the loan proceeds as you planned.

Is the Upgrade Card secured or unsecured?

Upgrade Card is unsecured so you do not need to provide a cash or security deposit or any other collateral.

How do I apply for Upgrade Card?

Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.

First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.

Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.