With the Upgrade card, you can forget about bad offers for people with bad scores. This card charges no fees at all. No annual or monthly fee, no foreign transaction fee, and even no late payment fee.

It is an excellent option for people looking for repairing their credit scores.

It doesn’t offer any rewards or bonuses when you apply for it, but it is not very common for a credit card designed for people with low scores to offer these things.

The Visa signature will grant you benefits and your card will get accepted everywhere. You’ll have a great credit card both for everyday use or for bigger purchases. Keep reading and we’ll tell you how to apply for it.

As a person who is trying to build a good credit score, the last thing you want is to keep hurting yours with hard inquiries. So, to avoid that, Upgrade allows you to check your offer with a pre-qualify before making any check on your score that will stay on your reports.

To check your offer and pre-qualify is very simple. You just need to go to Upgrade’s website, look for the credit card sessions, and hit the “get started” button on your card of choice. If you’re building credit, you’ll have to go for the Upgrade card with no rewards.

This application consists of a simple form. Upgrade will not ask for much information. Just the basics, like your full name, address, annual income, and its source. Create your account with your email and password to submit your form.

But don’t submit it before reading their terms and conditions, privacy policy, agreements, and other crucial info you’ll find right above the button to submit your form. 

The Upgrade mobile app allows you to manage your monthly payments, check your latest purchases, make payments and check your credit score progress. 

Download the app after you get the card. Apply through the website. 

As soon as you improve your credit score, you can apply for a better credit card with benefits. Upgrade has this better option for you, with cash back rewards and the same payment benefits as the Upgrade credit card. 

Upgrade Card

Upgrade Card with Cash Rewards