Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
Balance Transfer APR (Fixed APR)
Credit Score Range
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Annual Fee
Upgrade OneCard Review
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
- 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
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Upgrade OneCard FAQ
Does Upgrade OneCard have a cash back or rewards program?
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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?
Does Upgrade OneCard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Upgrade OneCard 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 November 2024) is 22.80%. This card has lower than average regular APRs.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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Upgrade OneCard?
What is the support contact email for Upgrade OneCard?
What is the login page for Upgrade OneCard?
How do people rate the customer service and user experience of Upgrade OneCard?
Does Upgrade OneCard report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Upgrade Inc perform a hard credit pull?
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.
Upgrade OneCard 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
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