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Last Updated: 11/06/2026
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Highlights
Purchase APR (Fixed APR)
14.99% - 29.99%(Verified 05/28/2025)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
14.99% - 29.99%(Verified 05/28/2025)
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Credit Score Range
N/A
Annual Fee
$0
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Upgrade OneCard Review
Upgrade OneCard is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This is a cashback credit card issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank. If you're wondering whether Upgrade OneCard is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APRs: Upgrade OneCard has a fixed purchase APR that ranges from 14.99% up to 29.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Upgrade OneCard charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
Pros & Cons of Upgrade OneCard
| The Good | The Bad |
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Upgrade OneCard FAQ
Does Upgrade OneCard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
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| Every Purchase | 1.5 % cash back - 3 % cash back (To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade ("Rewards Checking Account") and either (i) activate Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking Account or the Secured Account associated with your OneCard, if applicable, or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars-including deliveries-and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program's Terms and Conditions.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Upgrade OneCard have a signup bonus?
This card doesn't offer a cash signup bonus.Does Upgrade OneCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Upgrade OneCard benefits?
Upgrade OneCard provides the following benefits:
- Extended Warranty Protection
- Price Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Upgrade OneCard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of September 2026) is 22.15%. This card has lower than average regular APRs.Upgrade OneCard has a fixed purchase APR that ranges from 14.99% up to 29.99%. The card has a fixed balance transfer APR that ranges from 14.99% up to 29.99%.
Does Upgrade OneCard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Upgrade OneCard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Upgrade OneCard?
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| Foreign Currency Transaction Fee | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Upgrade OneCard?
The customer service number for Upgrade OneCard is (844) 319-3909.
What is the support contact email for Upgrade OneCard?
The support contact email for Upgrade OneCard is support@upgrade.com.
How do people rate the customer service and user experience of Upgrade OneCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Upgrade OneCard report your account activity to credit bureaus?
Yes, Upgrade OneCard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Upgrade Inc perform a hard credit pull?
Yes, Upgrade OneCard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will be be performed.
How to apply for Upgrade OneCard
- Visit the website of Upgrade OneCard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Provider Disclosure: Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging from $500 - $25,000 based on creditworthiness. The lowest rates require Autopay and the majority of line amounts will be $15,000 or under. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
View Upgrade OneCard's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
Sunday6:00AM - 5:00PMMonday5:00AM - 7:00PMTuesday5:00AM - 7:00PMWednesday5:00AM - 7:00PMThursday5:00AM - 7:00PMFriday5:00AM - 7:00PMSaturday6:00AM - 5:00PM
Other Services by Upgrade Inc
Other Credit Cards from Upgrade Inc
Purchase APR
19.99% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 29.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Availability
Available in 45 states.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Hawaii
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wyoming
SuperMoney Net Recommendation Score
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