What is the Upgrade Card (opened before 06/20/26)?
The Upgrade OneCard (opened before 06/20/26) 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 OneCard and tap into Extra Spending Power. Linking Rewards Checking Preferred Account to OneCard allows customers to make payments to their OneCard and to take advantage of the higher OneCard rewards program, all while avoiding any interest on their Pay Now purchases.
Articles in this section
- Are there any fees to use the Upgrade Card?
- Are there any foreign transaction fees when I use my Upgrade Card internationally?
- Can I use my Upgrade Card at an ATM?
- Can I use my Upgrade Card with my phone or device?
- Does my Upgrade Card come with Visa benefits?
- How are the rates fixed on an Upgrade Card?
- How can I use my Upgrade Card?
- How do I activate my card?
- How do I add my Upgrade Card to Apple Pay® or Google Wallet™?
- How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card?