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Get the best of both worlds with the Upgrade Card: make charges like a credit card, pay off like a loan.

Upgrade Card: The Hybrid Credit Card-Personal Loan Combo with High Rewards and No Annual Fees.


The Upgrade Card is an innovative hybrid credit card-personal loan product that offers flexibility and convenience. It is ideal for those with lower credit scores or anyone needing to finance a large purchase. The card has no annual fee, no foreign transaction fee, and offers 1.5% unlimited cash back on all purchases. It also reports to all three major credit bureaus, helping to build your credit score over time.


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Upgrade your credit game with the Upgrade Credit Card – enjoy low rates, no fees, and flexible credit lines up to $50,000. Check its benefits below and learn how take control of your finances with a credit card that works for you.

No annual or foreign fees.
High rewards rate.
Flexible payment options.
Reports to major credit bureaus.

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To apply for the Upgrade Card, you need to have a minimum credit score of 630 (fair credit) and a maximum credit score of 850 (excellent credit). You can check your eligibility in minutes without hurting your credit score.

You can earn 1.5% unlimited cash back on all purchases made with the Upgrade Card. The cashback is applied to your next month’s balance on your card.

The Upgrade Card offers the flexibility of a credit card with the predictability of a personal loan. You can use the card to make purchases, which are converted to installment loans at a fixed interest rate. If you carry a balance beyond the due date, you can repay it in equal monthly installments over a set period.

The Upgrade Card has no annual fee, no foreign transaction fee, and no activation fees. However, there is a 5% cash advance fee for borrowing against your credit line as a personal loan.

You can access your Upgrade Card account anytime, anywhere using the mobile app. The app allows you to check your account balance, make payments, and track your cashback rewards. You can also set up no-touch payments with contactless technology built in.

Ready to apply for the Upgrade Card? Check out our application guide and get approved in minutes!

Upgrade Card

How to apply for the Upgrade Card?

Learn how to apply for the Upgrade Card with our quick application guide and start earning 1.5% cash back on purchases.

Need some advice on what to choose? It’s always wise to compare offers before taking any financial steps. So take a look at the Destiny Mastercard®.

This credit card is designed to aid people with less than perfect credit scores in reviving their credit. 

It’s an unsecured card which means no deposit is necessary. Starting with a credit limit of $300, it’s an ideal choice for those who want to build their credit history or improve their credit score.

Want to discover more about this card? Simply hit the link below to read our thorough review and get all the details you need.

Destiny Mastercard®

How to Apply For The Destiny Mastercard®?

Learn how to apply for the Destiny Mastercard® with no security deposit, and pre-qualification available. Here's how!

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