Make charges to your card or borrow against your credit line. Either way, you can pay off the balance in equal monthly installments at a fixed rate. It earns rewards, but it lacks certain other incentives and is not available everywhere.
Card details
Annual fee: $0
Credit limit: Typically $500 to $25,000. (Some borrowers may qualify for up to $50,000.)
Rewards rate: 1.5%
Type of card: Cash back
Credit Score: Average – Excellent (630 – 850)
Card benefits
- No security deposit required.
- Get pre-approved without hurting your credit scores.
- Get instant access to a virtual card upon approval.
- Pay down balances at a fixed interest rate with equal monthly payments.
- No prepayment penalty, late fees or penalty APR.
- Reports to all three major credit bureaus.
- 1.5% cash back on all purchases
For whom this card is recommended
For the right person, the Upgrade card can elevate your bill-paying lethargy to something more robust.
Those who have fair credit and sometimes carry a balance, may find that the Upgrade card’s unique spin on financial discipline without any hidden costs could be a welcome change from the norm.
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