The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. Upgrade Card balances have a fixed rate and term, so you know when you pay off your balance and can save on interest over time.
In contrast, traditional credit cards have no set pay-off date and can keep you in debt with minimum payments that pay back little of the principal balance. Credit cards often come with variable rates that may increase on existing balances when the prime rate goes up.
Learn more about the Upgrade Card.