Upgrade cards: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Upgrade

Card issuer

Upgrade

Credit cards that pay you back — and pay off like loans

Visit official site
Cards reviewed
8
Average rating
4.4/5
Headquarters
United States
Founded
2017

Upgrade is a US fintech founded in 2017 by Renaud Laplanche that offers a hybrid credit-card/installment-loan product line under the Visa network, alongside rewards checking accounts with cash-back debit cards and a secured credit-builder card. All Upgrade credit cards function as series of closed-end loans rather than traditional revolving lines, meaning each transaction carries a fixed rate and fixed repayment term. Products are issued through Cross River Bank and partner institutions.

Full lineup

Upgrade cards

See all in the card finder
Upgrade Credit card
Upgrade OneCard™
Cash back
VISA
4.5 4.5 out of 5
Best for rewards
Credit card Upgrade - Visa

Upgrade OneCard™

9.0/10

One card, two modes — pay now or pay later on every purchase

Cash back Pay in installments
Fee
No fee
Interest
14.99% - 29.99%
Interest-free
-

Why we like it

  • Up to 3% cash back on everyday purchases (convenience…
  • Welcome bonus
  • No card fee
  • Pay in installments
Apply now On Upgrade's secure site View details
Browse all issuers