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What is the Upgrade Card?

The Upgrade Card is a credit card that empowers customers to make deliberate choices about managing short-term and long-term expenses by setting preferences to pay off purchases now with no interest (Pay Now) or later in monthly installments with each balance having its own fixed rate (Pay Later).

Customers with a Rewards Checking Preferred account through Upgrade can link that account through Upgrade can link that account to the Pay Now feature of their Upgrade Card and tap into Extra Spending Power. Linking Rewards Checking Preferred Account to Upgrade Card allows customers to make payments to their Upgrade Card and to take advantage of the higher Upgrade Card rewards program, all while avoiding any interest on their Pay Now purchases.