Upgrade Card Apply Now Apply Now Apply Now
  • No Annual Fee

Recommended FICO® Score Rating

Fair - Exceptional

Get your FICO Score for free
  • Rewards

    N/A*

  • Annual fee

    $0

  • Intro APR

    N/A*

  • Ongoing APR

    6.99% - 29.99%

  • Balance transfer

    N/A*

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
Rates and fees
Pros:
  • No annual fee
  • No foreign transaction fees
  • Allows you to borrow cash up to your credit line and send to bank account
  • Possibility for low APR with excellent credit
Cons:
  • No direct balance transfers
  • No rewards
  • No introductory APR period on purchases or balance transfers

Experian Review:

Upgrade Card Review: When You Want Fixed Payments and No Fees

The Upgrade Card offers a credit line and combines your transactions into fixed-term installment loans. But will the credit card alternative work for you?

Read full review

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Credit score is calculated based on FICO® Score 8 model, unless otherwise noted. In addition to the FICO® Score 8, we may offer and provide other base or industry-specific FICO® Scores (such as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer may use a different FICO® Score than FICO® Score 8 or such other base or industry-specific FICO® Score (if available), or another type of credit score altogether. Learn more.

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Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

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