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Upgrade Secured OneCard™

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Card review

Upgrade Secured OneCard™

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

Build credit from scratch — secured card with the full OneCard feature set

Fee: No fee
Purchase APR: from 19.99%
Interest-free: -
Foreign fee: 3%

Rewards

Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases.

Our verdict

What stands out, and where it falls short.

What we like

Up to 3% cash back on everyday purchases (convenience…
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Upgrade Secured OneCard™ fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: from 19.99%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR (Pay Later): 19.99% fixed (Pay Now purchases incur no interest)
Minimum Security Deposit: $200 into a custodial savings account
Late Payment Fee: Up to $29

Rewards and features

Rewards: Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases.
Installments: Dual-mode: Pay Now settles purchases automatically next day from linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end loans at 19.99% APR.
Pay with: Apple Pay, Google Pay, Contactless
Extra Spending Power: Up to $5,000 additional capacity based on Rewards Checking Preferred balance

Benefits and perks

Extras that come bundled with the card.

Credit Bureau Reporting

Reports on-time payments to all three major credit bureaus; eligible to graduate to unsecured OneCard without reapplying

Eligibility

What you need before you apply.

Target Audience: Consumers with no or limited credit history; no minimum credit score required

Upgrade Secured OneCard™: your questions answered

Does the Upgrade Secured OneCard™ have a card fee?

No - the Upgrade Secured OneCard™ has no card fee.

What rewards does the Upgrade Secured OneCard™ earn?

The Upgrade Secured OneCard™ earns Up to 3% cash back on everyday purchases (convenience stores, drugstores, restaurants, gas, utilities, subscriptions) and 2% on all other purchases with a linked Rewards Checking Preferred account via Pay Now ($500 annual cap on 3% tier, then 2%). Without the checking account link, earns 1.5% on all purchases..

Does the Upgrade Secured OneCard™ charge foreign transaction fees?

Yes - the Upgrade Secured OneCard™ charges a 3% foreign transaction fee.

What is the interest rate on the Upgrade Secured OneCard™?

The Upgrade Secured OneCard™ has a purchase APR of from 19.99%.

Can I pay in installments with the Upgrade Secured OneCard™?

Yes - Dual-mode: Pay Now settles purchases automatically next day from linked bank account (no interest); Pay Later converts purchases into fixed-rate closed-end loans at 19.99% APR..

Is the Upgrade Secured OneCard™ a credit, debit or prepaid card?

The Upgrade Secured OneCard™ is a credit card issued by Upgrade on the Visa network.

Does the Upgrade Secured OneCard™ support Apple Pay and Google Pay?

Yes - the Upgrade Secured OneCard™ works with both Apple Pay and Google Pay.

Where can I get the Upgrade Secured OneCard™?

The Upgrade Secured OneCard™ is currently offered in United States.

How does DebitCue rate the Upgrade Secured OneCard™?

DebitCue rates the Upgrade Secured OneCard™ 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Upgrade Secured OneCard™?

Use the Apply now button to continue on Upgrade's secure site. Comparing and applying through DebitCue is free.