Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.
Rates, Fees and Terms
Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging from $500 - $25,000 based on creditworthiness. The lowest rates require Autopay and the majority of line amounts will be $15,000 or under. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
Upgrade Shopping
With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full cash back shopping terms, please review the Upgrade Shopping Terms & Conditions.
Visa Signature Benefits and Zero Liability Policy
With Visa Signature benefits, certain restrictions, limitations and exclusions apply. With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made using your Upgrade Card or card information, when you report them promptly. This does not apply to transactions not processed by Visa. Terms apply. For more information, please refer to your Cardholder Agreement.
ATM Acceptance
Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.