Upgrade Card Personal Credit Line does not have or does not disclose a minimum annual income eligibility requirement.
The APR on your draw may be higher or lower. Pre-qualification typically utilizes a soft credit inquiry that does not appear on your credit … For more information, please turn to the back of your pre-approval letter. Apply online and get a credit line up to $20,000* with your Upgrade Card. Prepay any amount at any time with no penalty More specialized credit card offers can instantly be found online vs what you get in the mail. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.Personal loans made through Upgrade feature APRs of 7.99%-35.97%. For example, the 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34.01.

The Upgrade Card charges none of these fees. The lowest rates require Autopay and the majority of the line amounts will be $20,000 or under. Applicants with a credit score of at least 600 and up to 850 are eligible for Upgrade Card Personal Credit Line.

The terms on your existing balances will never change. The lowest rates require Autopay and the majority of the line amounts will be $20,000 or under. Over the life of the loan, your payments would total $12,359.97.

See if you're pre-qualified for Capital One credit card offers with no impact to your credit score. The Upgrade Card charges none of these fees. * Credit Lines opened through Upgrade feature APRs of 6.99%-29.99% and line amounts ranging $500 - $50,000. Make purchases or get funds sent to your account.

Get your Upgrade Card.


Actual rate depends on credit score, credit usage history, loan term, and other factors. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.If there are changes to your credit score or other risk factors based on a soft inquiry, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.Combine the flexibility of a credit card with the low cost and predictability of a personal loanBring your balance down faster to pay less interestInterest Paid on a $10,000 balance with Upgrade Card vs. There is no minimum draw amount when you use the Upgrade Card.

Many banks allow you to check your pre-qualified or pre-approved offers directly on their websites. To do so follow these directions: Click “Product And Services” in the header.

For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90.

Traditional Credit CardApply online and get a credit line up to $20,000* with your Upgrade CardPay with Upgrade Card at retail locations and online everywhere Visa® is accepted or get funds sent to your bank accountMake monthly payments which can be debited directly from your bank account. Source: minimum monthly payment calculator available at3.

The terms on your existing balances will never change. Transactions will be subject to a minimum draw amount, which is determined based on your total line availability. Example of amortization period using Upgrade Card2.

Interest of $2,102.71 assumes a $10,000 charge and installment payments of $504.29 for 24 months.

When you log in to your account, you might get a notification on the portal with offers targeted to you – which you are prequalified for. The APR on your draw may be higher or lower.

Pay it down.