Upgrade Card Review | CompareCredit.com

Upgrade Card

(19 reviews)

  • $0 annual fee, $0 activation fees, $0 maintenance fees
  • See if you qualify without hurting your credit score
  • 6.99%-29.99%
  • $0
  • Excellent/Good/Fair Credit
  • Click "APPLY NOW" to apply online
  • 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

Our Expert Review

Why We Like It

Offer Rating

4/ 5

By Our Editorial Team

Key Benefit

The Upgrade Card offers the convenience of a credit card with the flexibility and low rates of a personal loan.


The Upgrade Card is a unique product that offers the convenience of a typical credit card, but with fewer fees and more flexibility. With is card you pay no fees of any kind – no annual fees, no late fees, and no transaction fees! Another thing that makes this card stand out when compared to typical credit cards is that you can receive a much long ongoing interest rate – as low as 6.99%.

The flexibility and low rates of the Upgrade Card make it a great choice if you're looking to finance a large purchase, like a home renovation. Also, since this card is available to consumers with Fair Credit, it can be a great tool to build your credit score without having to pay extra fees or compounding interest charges. You can even see if you qualify with no impact to your credit score. Apply today and start saving!

Community Discussion

Disclosure: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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