What credit score is needed for the Upgrade Card?

Upgrade doesn’t disclose a minimum credit score requirement for the OneCard, but you’ll generally have a good chance of getting approved if you have good or excellent credit. According to FICO, that translates to a credit score of 670 or higher.

Is Upgrade Card a loan or credit card?

Technically, neither. The Upgrade OneCard is a revolving line of credit. However, it has some of the features that come with personal loans, credit cards, and debit cards. You can use the card like a credit card on your everyday purchases and pay them off immediately, similar to how a debit card works. Alternatively, you can carry a balance and pay off your monthly bill with a fixed interest rate and over a fixed repayment term, similar to a personal loan.

Can I withdraw money from my Upgrade Card?

Yes, you can withdraw money from your line of credit and have it deposited directly into your bank account. You can then repay that balance over a fixed term. While there’s no cash advance APR, you may be subject to a transaction fee of up to 5% of the withdrawal amount.

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UPGRADE ONECARD REVIEW: AN ALL-HASSLE REWARDS CARD

Upgrade OneCard: An All-Hassle Rewards Card