Apply for a FREE Upgrade Credit Card online

"It just takes a minute to complete and submit
your Upgrade Visa Card application."

A smarter way to pay.
Affordable credit line and 1.5% cash back rewards on payments.
Combine the flexibility of a credit card with the low cost and predictability of a personal loan.
No fees, credit lines from $500 to $50,000, use wherever Visa® is accepted, lower cost than traditional credit cards.

Get your Upgrade Card to enjoy the benefits today!

warningThe issuer may STOP the card offers and promotions without notice. Grab the card of your choice while it lasts.

For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.

You´re in Control with Upgrade Card

  • Convenient
    Use at retail locations or online and earn unlimited 1.5% cash back on payments.* Or send funds to your bank account
  • Low Cost
    No fees and set payoffs bring your balance down faster so you pay less interest ‡
  • Predictable
    Pay down balances from each month at a fixed rate with equal monthly payments

* Earn unlimited 1.5% cash back on all purchases after you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Certain limitations apply. Refer to your Cardholder Agreement for more information.

** Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers are subject to fees that would increase your finance charge and APR on those transactions. The lowest rates require Autopay and the majority of the line amounts will be $25,000 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. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

*** The Upgrade Card can not be used at an ATM.

† If there are changes to your credit score or other risk factors based on a soft inquiry, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future transactions if you wish to continue using your line. Transactions will be subject to a minimum draw amount, which is determined based on your total line availability. There is no minimum draw amount when you use the Upgrade Card. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.

‡ Not all traditional credit cards charge fees. However,'s 2018 Credit Card Fee Survey found that the average number of fees per card is 5.5. For example, the 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34.01. The Upgrade Card charges none of these fees. Over 90 percent of cards charge balance transfer fees and cash advance fees. The Upgrade Card enables you to transfer cash from your Personal Credit Line to your bank account with no fees.

How it Works

  • Get your Upgrade Card
    Apply online and get a credit line up to $50,000 with your Upgrade Card
  • Make purchases or get funds sent to your account
    Pay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.* Or get funds sent to your bank account
  • Pay it down
    Make monthly payments, which can be debited directly from your bank account, and get your unlimited 1.5% cash back on payments*

Let's check your Upgrade Card credit line and rate

Upgrade combines the flexibility of a credit card with the flexibility of a credit card with the predictability of a personal loan. Credit lines range from $500 to $50,000, and some consumers may qualify for up to $50,000. Regular Purchase APR ranges between 14.99% - 29.99%. Attractive to consumers looking for a smarter way to use credit: from those looking to build credit to established prime consumers looking to make major purchases. - Credit Cards Good/Excellent Credit

Safe and secure online application with SSL encryption technology

Personal Loans