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.