Upgrade CardSee Rates & Fees
Partner Offer

Upgrade Card

Fair to Good Credit Recommended (580-740) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now at Upgrade's Secure Site
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
6.99% - 29.99%
Annual Fee


  • Combine the flexibility of a card with the low cost and predictability of a loan from $500-$20,000.
  • $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
  • Use wherever Visa is accepted. (cannot be used at an ATM)
  • 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
  • Access to a virtual card while you wait for your card to arrive in the mail


  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Visa Signature®
    Visa Signature®

Staff Review


Editor's Rating:

4.2-star review

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.

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.