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Upgrade Card


Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 37 Offer Ratings
Over the Past 60 Days!

(37) Over the Past 60 Days!

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  • Regular Purchase APR 6.99%-29.99%
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$20,000.
  • 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)

Card Fees

Foreign Transaction Fee 0%

Balance Transfer Fee N/A

Cash Advance Fee N/A

Ongoing Information

Rewards Rate N/A

Annual Fee $0

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

Upgrade, an online lending company, expanded into the credit card space in late 2019. The launch of the Upgrade Card reveals an innovative new offering for consumers with fair credit or above.  Upgrade created a ‘hybrid’ of a credit card and personal loan into one unique product. Consumers who apply and are approved for this card will access a personal credit line from $500 to $20,000. Card charges are combined into installment plans payable over 12 to 60 months. The benefit of this structure is that your purchases are combined into a fixed term/payment schedule as opposed to a minimum monthly payment with a high interest rate. Upgrade Card interest rates start lower than traditional credit cards with a range from 6.99%-29.99% APR.

Expert Reviews of the Upgrade Card

  • 5.0

    Regular APR

  • 1.0

    Intro APR

  • 5.0


  • 1.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

There is $0 annual fee and no usage fees for the card. With responsible usage, the Upgrade Card could offer you access to a higher credit limit than a traditional credit card and a less expensive way to pay down the balance.

The Good

You could receive a lower interest rate for your personal credit line versus a traditional credit card. Also, you could benefit from a predictable monthly payment at a lower interest rate than a credit card, which could help you pay down your balance faster with less cost. The Upgrade Card is a Visa®, which is a widely accepted card.

The Not so Good

There are no rewards like cash back on this card.

Editorial Note: This content is not provided by Upgrade. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Upgrade.

Consumer Reviews

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Offer Rating


37 Total Ratings

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