Credit Lines opened through Upgrade feature APRs of 8.99%-29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.
Earn unlimited 1.5% cash back on all purchases when you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Certain limitations apply. Please refer to your Cardholder Agreement for more information.
Learn more about the Upgrade Card through Upgrade.
