Great, I've just found the perfect credit card for you! The Upgrade Card: Flexible Credit and Loan Hybrid with Perks and Drawbacks

Upgrade Credit Card, qualify with fair credit and get cash back


A credit card that offers personal loans and no fees? Sign me up! The Upgrade Credit Card has incredible benefits for cardholders looking to save money on their purchases. Also, you can use contactless card technology and use your card everywhere where Visa is accepted!


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The Upgrade Card shines with its minimal fees. There's no annual fee, activation fee, or maintenance fee, and even foreign transaction fees are waived. However, the APR range of 8.99% to 29.99% can be substantial, especially if you don't opt for automatic payments to secure the lowest rate. See what are the main benefits that the Upgrade Credit Card can offer you!

No fees;
Enjoy fast and safe contactless card technology provided by Visa®;
Get 1.5% cash back reward on payments;
Credit line up to $50,000.

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The Upgrade Card stands out from the crowd by offering the dual functionality of a credit card and a personal loan. Issued by Sutton Bank, it lets you make regular purchases or convert them into fixed-rate installment loans, giving you more control over your finances. It even offers a personal credit line for larger purchases, with easy repayment through equal monthly installments.


  • Unlimited 1.5% cash back on payments
  • No annual, activation, or maintenance fees
  • Convert purchases to fixed-rate installment loans
  • Personal credit line with equal monthly payments
  • Visa Signature perks


  • Requires good credit for approval
  • Potentially high APRs
  • No ATM withdrawals
Upgrade logo

Learn how to apply for the Upgrade Card

Don't settle for less, apply now and get your Upgrade Card today! Fast and easy application with no surprises or fees. Apply online and get results in minutes!

The Upgrade Card is a hybrid credit card and personal loan issued by Sutton Bank. It offers the flexibility of using a credit card for everyday purchases, or converting those purchases into fixed-rate installment loans. It also offers a personal credit line with equal monthly payments.

You earn cash back on every purchase you make with the Upgrade Card, even when you convert those purchases to installment loans. The Upgrade Card has no annual fee, no activation fee, and no maintenance fee. The card also offers a personal credit line with equal monthly payments: This can be a convenient way to finance larger purchases.

The Upgrade Card is a good option for people who: want a flexible credit card and personal loan, want to earn cash back on their purchases, want to avoid annual, activation, or maintenance fees and people who are eligible for good credit.

You can apply for the Upgrade Card online. You will need to provide your name, address, date of birth, Social Security number, and income information. You will also need to answer a few questions about your credit history.

The Upgrade Card can be used like any other credit card. You can use it to make purchases online, in stores, or over the phone. You can also use it to withdraw cash from ATMs.

To convert a purchase to an installment loan, you can go to the Upgrade Card website or app. You will need to select the purchase you want to convert and choose the amount of the loan. You will then need to make a down payment and agree to the terms of the loan.

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