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Upgrade Card

Borrowers who want predictable installment payments instead of revolving balances

FreeNo annual feeVerified May 2026
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How it works

Upgrade Card is a hybrid credit line that works like a card but converts each statement balance into a fixed installment loan. No annual fee; variable APR.

Pricing details

Variable APR; hard credit pull required to apply

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On upgrade.com · We may earn a commission

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