- Intro Bonus
- $200$200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*
- Reward Rates
- 2.2%Earn 2.2% unlimited cash back on card purchases every time you make a payment
- Balance Transfers Intro APR
- Purchases Intro APR
- Regular APR
- 14.99% - 29.99%
- Annual Fee
- $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days.*
- New Feature: Pay your balance in full early each month and avoid interest with EarlyPay.
- Earn 2.2% unlimited cash back on card purchases every time you make a payment
- See if you qualify in seconds with no impact to your credit score
- No Fees - $0 annual fees, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a credit card with the predictability of a personal loan
- Access to a virtual card, so you can start earning while you wait for your card to arrive in the mail.
- Contactless payments with Apple Pay® and Google Pay™
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.
- Concierge Service
- Extended Warranty Program
- Price Protection
- Roadside Assistance
- Travel Assistance
- Zero Fraud Liability
4.3 out of 5
Our take: A unique credit card/loan hybrid that earns a great flat rate and refines your budget with consistent bill payments. While it lacks flexible cash back redemptions, it can be a fine solution if you consistently carry a balance.