Upgrade Card
on Upgrade's website
Upgrade Card
Card details
Earn 1.5% unlimited cash back on card purchases every time you make a payment
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
Rates, fees & offers
Annual fee
$0
Rewards rate
1.5%
Bonus offer
None
Intro APR
N/A
Ongoing APR
APR: 8.99% - 29.99% APR
Foreign transaction fee
None
Recommended credit score
Compare to other cards
Annual Fee$0 | Annual Fee$95 | Annual Fee$0 |
Regular APR8.99% - 29.99% APR | Regular APR15.99% - 22.99% Variable APR | Regular APR12.99% - 22.99% Variable APR |
Intro APRN/A | Intro APRN/A | Intro APR0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
Rating details
4.6
Editor's overall rating
Pros and cons
Pros
Qualify with average credit
No late fee
No annual fee
No foreign transaction fee
Cons
Potentially high APR
Not available in all states
The Upgrade Card offers flexibility for anyone who needs to pay off a large purchase over time. You can use the $0-annual-fee card in two ways:
--As a credit card: Make purchases, which are converted to installment loans at a fixed interest rate. If you carry a balance beyond the due date, you can repay it in equal monthly installments over a set period.
--As a personal loan: Tap into your credit limit and request that funds be sent directly to your bank account. Pay back the loan in equal monthly installments over a set period and fixed interest rate.
However, the Upgrade Card lacks many of the upfront and ongoing incentives you'll find on other cards. For more information, see our full review of this credit card.
