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 can circle a date on your calendar when the amount you’ve borrowed will be paid off.
In contrast, borrowing with credit cards means that you have no set pay-off date. 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.