Bank
Upgrade Credit Card Rates
Upgrade credit card rates start at 14.99% APR. Rates checked October 26, 2026.
How Upgrade’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
Upgrade
14.99%APR
- Up to
- 29.99% APR
Upgrade Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Secured Upgrade OneCard
Accounts opened before April 6, 2026. Pay Now purchases incur no interest; stated APR applies to Pay Later.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99% | None | Pay Later purchases. Pay Now: no interest. Accounts opened before April 6, 2026. |
Sources (1)
- upgrade.com/help/upgrade-cards…-the-secured-onecard-apr · captured Oct 26, 2026
Upgrade Card
Series of closed-end loans accessed by card purchases up to an approved amount; line does not replenish automatically. Rate, line amount, and default term depend on qualifying credit score, credit usage, requested amount, and other factors. Each balance has a fixed rate and term; existing-balance rates never change. Availability of remaining credit, interest rate, and term for future transactions may be adjusted after the first 12 months or if credit score, risk factors, or market conditions change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99%–29.99% | None | Credit Lines APRs based on creditworthiness. Lowest rates require Autopay. Example only: $1,000 purchase, 36-month term, 19.99% APR. APR applicability to purchase, balance transfer, or cash advance is not stated for this range. |
Sources (2)
- upgrade.com/help/upgrade-cards…fixed-on-an-upgrade-card
- upgrade.com/help/upgrade-cards…ered-on-the-upgrade-card
All captured Oct 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.