Upgrade Card

Upgrade Card

on Upgrade's website

Upgrade Card

Upgrade Card

Upgrade Card

on Upgrade's website

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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

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

8.99% - 29.99% APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No foreign transaction fee

  • Qualify with average credit

  • High rewards rate

  • Reports to the three major credit bureaus

Cons
  • No bonus offer

  • Limited availability

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.