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.

Card Reviews

5.0 rating
5 out of 5 stars (based on 1 review)


This is the best card buy far

5.0 rating
April 18, 2020

Buy far this is the top choice it give you the Best flexability of them to help build your credit for any one such great service I would give this the A number 1 best choice of them all

Blaine Jones

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