Upgrade Visa Signature Credit Card

The card can be used to make purchases or transfer money to the linked bank account. At the end of each billing cycle, the total transactions are considered by Upgrade as an installment loan. Upgrade offers installment plans in 24, 36, or 60 months, allowing you to pay a fixed monthly amount until the balance is paid off.

Paying off debt this way can be more economical in the long run and faster, as the terms make it easier to repay the principal. In addition, the Upgrade card rewards payments with 1.5% cashback earnings when you settle the account.

If you fail to pay the credit card balance in full each month, interest rates will be added. This applies to both the traditional credit card with minimum monthly payment and the Upgrade card with installment plan. It is important to be clear about your goals and what you can realistically afford before signing up for any type of card.

Limited fees

With this card, you don't have to worry about an annual fee, international transaction fee, late payment fee, or annual interest rate penalty (APR). While many of the best cashback credit cards don't charge annual fees or international transaction fees, it's rare to find a rewards card that offers even more perks. To apply for your card, click the button below:

Card benefits

• Roadside assistance: Access to 24/7 pay-per-use roadside dispatch services;
• Concierge: Visa concierge can help with travel planning, entertainment tickets, reservations and more;
• Travel and Emergency Services: Provides access to emergency services when you are away from home, including translation services, medical referrals, and emergency transportation;
• Extended Warranty Protection: When you use your upgrade card on qualifying purchases, it can double your warranty up to a year longer than the original;
• Price protection: if an item you purchased with your upgrade card can be found in a print ad for a lower price, you may be eligible for a refund for the price difference.

Predictable monthly payments

When you use the Upgrade Card to make purchases, they become an installment loan. The loan is paid back with fixed payments over a loan period of 12 to 60 months. The monthly payment amount is predetermined and the Annual Interest Rate (APR) is fixed, which allows you to plan and create a budget in advance. You also know exactly when the amount borrowed will be repaid.