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  Upgrade OneCard
Upgrade OneCard
in Credit Cards from Upgrade Inc
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Upgrade OneCard

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in Credit Cards from Upgrade Inc
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Highlights
Purchase APR  (Fixed APR) 14.99% - 29.99%
(Verified 10/24/2023)
Balance Transfer APR  (Fixed APR) N/A
(Verified 10/24/2023)
Credit Score Range N/A
Annual Fee N/A

Upgrade OneCard Review

This is a cashback 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.
  • Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
  • Competitive APRs. Upgrade OneCard has a fixed purchase APR that ranges from 14.99% up to 29.99%.

Pros & Cons of Upgrade OneCard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • Cardholders can earn rewards on their purchases.
  • Upgrade OneCard reports to multiple credit bureaus.
  • N/A
  • You don't earn rewards on every purchase.

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. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Upgrade OneCard Rewards
Minimum rewards rate 2x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus ($) $200

Does Upgrade OneCard have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200.

Does Upgrade OneCard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Upgrade OneCard benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Upgrade OneCard has a fixed purchase 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?

The following fees apply:

What is the customer service phone number for Upgrade OneCard?

The Upgrade OneCard customer service number is (844) 558-56876.

What is the support contact email for Upgrade OneCard?

The support contact email for Upgrade OneCard is support@upgrade.com.

What is the Upgrade OneCard login page?

You can access the Upgrade OneCard login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Upgrade OneCard

  • Visit the Upgrade OneCard website.
  • 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.

Upgrade OneCard Disclosure: Personal Credit Lines are 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. Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. 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 the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement. 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.

Contact

Hours of Operation

  • Sunday 6:00am - 5:00pm
  • Monday 5:00am - 6:00pm
  • Tuesday 5:00am - 6:00pm
  • Wednesday 5:00am - 6:00pm
  • Thursday 5:00am - 6:00pm
  • Friday 5:00am - 6:00pm
  • Saturday 6:00am - 5:00pm

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Availability

  Available in 47 states
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • 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

Feature Breakdown

Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Price Protection
  • Travel Assistance
Bonus Offer Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
Signup Bonus $200
APR Type Fixed APR
Credit Limit $500 - $1,500
Purchase APR (Fixed APR) 14.99% - 29.99%
(Verified 10/24/2023)
Card Type
  • Rewards
  • Cashback
Card Network Visa

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