The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. You have access to funds up to the full line amount*, and you only pay interest on the amount you choose to borrow. You can use the Upgrade Card to pay online and at retail locations. At your option, you can also have funds sent directly to your bank account, do balance transfers, or use your card for foreign transactions, subject to applicable fees.
With a personal loan, all of your funds are generally disbursed once you're approved. However, if you need additional money, you’ll need to apply again to borrow additional funds.
Learn more about the Upgrade Card.
*If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. For more information, please refer to your Personal Credit Line Agreement.