The Upgrade Card is not like other traditional credit cards, but instead is a personal line of credit with a limit depending on the applicant’s credit worthiness.
Please note that you cannot use this card at an ATM, but you can use it online and everywhere Visa is accepted.
For more options, see our list card options from institutions like American Express, Capital One, Citi, Wells Fargo or see an extensive list of credit card bonuses.
Upgrade Card Summary
| Bonus Available | No sign-up bonus available |
| Intro Balance Transfer APR | N/A |
| Regular Balance Transfer APR | N/A |
| Balance Transfer Fee | Up to 5% |
| Foreign Transaction Fees | Up to 3% |
| Annual Fee | $0 |
(Visit Upgrade to learn more about this card and its features)
| Ink Business Preferred® Card 90K Points after $8,000 spend within first 3 months | Ink Business Unlimited® Credit Card $750 Bonus after $6,000 spend within 3 months |
| Capital One Venture X Business 150K Miles after $30,000 spend within 3 months | Ink Business Cash® Credit Card Up to $750 Bonus: Earn $350 after $3,000 spend in the first 3 months and an additional $400 with $6,000 spend in the first 6 months. |
| Chase Sapphire Preferred® Card 60K Points after $4,000 spend within 3 months. | Chase Freedom FlexSM $200 Bonus after $500 spend within 3 months |
| The Platinum Card® from American Express 80K Points after $8,000 spend within 6 months. Terms Apply. | Capital One Venture Rewards Credit Card 75K Points after $4,000 spend within 3 months |
| American Express® Gold Card 60K Points after $6,000 spend within 6 months. | Chase Freedom Unlimited® Card $200 Bonus after $500 spend within 3 months |
| Blue Cash Preferred® Card from American Express $250 Welcome Offer after $3,000 eligible spend within 6 months. Terms Apply. | Blue Cash Everyday® Card from American Express $200 Welcome Offer after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply. |
| Chase Sapphire Reserve® Card 60K Points after $4,000 spend within 3 months. | Capital One Quicksilver Cash Rewards Card $200 Bonus after $500 spend within 3 months |
Card Highlights
- Choose the Upgrade card with a personal credit line instead of a credit card and enjoy predictable payments on lines up to $500-50,000.
- No annual fee
- Quick and easy application – find out if you qualify in minutes.
- Checking your line won’t hurt your credit score.
- Free access to credit monitoring, alerts and features to help you understand your credit.
- Use wherever Visa is accepted. (cannot be used at an ATM)
Upgrade Card Features & Benefits
- No touch payments with contactless technology built in
- Mobile app to access your account anytime, anywhere
 |
 |
Bottom Line
Get started to pay the smarter way with the Upgrade card and get the flexibility of a card with the low cost and predictability of a loan.
For more credit cards, see our latest list of other best credit card bonuses or check out another list of cards for 0% APR balance transfers & purchases!
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
Leave a Reply