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- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 6.49% - 29.99% (Variable)
- Annual Fee
- Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
- 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)
4.2 out of 5
Our take: Since it automatically puts your balance into an installment plan at the end of the month, the Upgrade Card helps you keep your interest payments – and your overall credit card balance – in check.