Upgrade Card

Credit lines from $500 to $20,000*

Intro Purchase APR


Annual Fee


Rewards Rate


Credit Needed


Regular Purchase APR

6.99%-29.99% APR

Credit Brand Visa

Credit Card Details

  • Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)

Additional Info

  • Annual Fee : $0
  • Intro Purchase APR : N/A
  • Regular Purchase APR : 6.99%-29.99% APR
  • Intro Balance Transfer APR : N/A
  • Cash Advance APR : N/A
  • Cash Advance FEE : N/A
  • Late Fee : $0
  • Penalty APR : $0
  • Balance Transfer Fee : $0
  • Foreign Transaction Fee : $0
  • Return Payment Fee : $0
  • $0 Fraud Liability : Yes
  • Auto Rental Insurance : TBD
  • Extended Warranty Program : TBD
  • Roadside Assistance : TBD
  • Purchase Protection : TBD
  • Travel Assistance TBD
  • Flight Accident Insurance TBD
  • Lost Luggage Reimbursement TBD
  • Concierge Service TBD

* Credit Lines opened through Upgrade feature APRs of 6.99%-29.99% and line amounts ranging $500 – $50,000. The lowest rates require Autopay and the majority of the line amounts will be $20,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.

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