Best-Rated Cards by Upgrade

If you’re interested in a non-traditional credit card that gives you the power to borrow money and repay it in a reasonable manner, the Upgrade Card may be the right choice. It’s convenient, the interest rate is more than competitive, and the fixed payment structure has the potential to save you hundreds or even thousands in interest charges.

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Upgrade

Upgrade Card

Credit lines from $500 to $20,000*

Rating

Credit Brand Visa

Credit Needed

Good

Annual Fee

$0.00

Regular Purchase APR

6.99%-29.99% APR

Rewards

n/a

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Associated Rates & Fees
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Credit Card Details

Combine the flexibility of a card with the low cost and predictability of a loan
$0 fees – $0 annual fee, $0 activation fees, $0 maintenance fees
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Access to a virtual card while you wait for your card to arrive in the mail
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability

* 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.

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

Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit card organization those fees plus your current balance. Interest fees range from 0% to 35% APR and annual fees range from $0.00 to $99.00 according to contractually agreed upon terms. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

* Advertisements which display guaranteed lines of credit for $500.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace stores. Please review full terms and conditions prior to applying for any credit card. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

General Disclaimer

Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s).

Editorial Note

Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).

Disclaimer : ApplyNowCredit endeavors to keep its data precise and state-of-the-art. This data might be unique in relation to what you see when you visit a credit institution, specialist organization or financial-related website. Every single credit product, credit offer and/or personal loan item are displayed without guarantee. When assessing offers, please survey the credit institutions’s Terms and Conditions. Pre-qualified offers are not authoritative. On the off chance that you discover errors with your financial assessment or data from your credit report, please contact the credit institution generating inaccuracies.

Advertiser Disclosure : We receive remuneration from our partners when someone applies or gets endorsed for a money related item through our website. Be that as it may, the consequences of our aides and publication surveys depend on quantitative and subjective evaluations of item elements — nothing else. Remuneration may impact the items we survey and expound on, the request in which classifications show up in “featured” pages, regardless of whether items show up on our site or articles. While we attempt to highlight the greatest number of credit offers on our site as we can keep up, we perceive that our site does not include each organization or credit item accessibly available.

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Best-Rated Cards by Upgrade

Upgrade

Upgrade Card

Credit lines from $500 to $20,000*

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Credit Card Details

Additional Info

Financial services disclosures

General Disclaimer

Editorial Note

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