Upgrade Card: check out how to apply!

Learn how to have credit lines of up to $50,000 and stay free of fees as you build your credit. Learn how to request your Upgrade Card!


by José Gonçalo

Published on 05/04/2022

Upgrade Card: the feeling of having control of your finances is here!

Upgrade logo
Learn how to apply for this card. Source: Upgrade.

The Upgrade Card application process has been simplified to the maximum. All so that you do not have any problems when applying for this card. Thus, you can apply for the Upgrade Card from home, over the internet, via cell phone or computer.

Check out a step by step of this process!


Credit card


No fee Visa

Zero rate, balance converted into fixed installments and credit line of up to $50,000.

You will be redirected to another website

How to apply on the website

Beautiful young girl with credit card and tablet on armchair (apply upgrade card)
Learn how to apply for the Upgrade Card. Source: Adobe Stock.

Upgrade family cards allow you to qualify before applying for your card. That way, you’ll know what your APR rate and initial credit line will be before you even formalize your card application.

This information is extremely important, as you will be able to analyze in advance if it makes sense for you to have this card. That’s without your score taking any kind of damage.

Well, you can apply for the Upgrade Card on the official page. Thus, choose the card and click the “Get Started” button. After filling in all the information, click on “be pre-approved”.

Your data will then be analyzed and you will receive an email with the result of your pre-qualification. If accepted, the email will indicate a link with a new registration that will need to be completed.

How to apply using a mobile app

There is an application through which you can manage your Upgrade credit card. In fact, it can be downloaded for free from your mobile app store. Its name is “Update”. This app does not offer the option to apply for the Upgrade Card.

However, it will be extremely useful as long as your account is active. Through it, you will be able to manage your payments, apply for loans, check your credit score and much more.

Upgrade Card vs. Wells Fargo Reflect℠ Card: choose which one is best for you

For comparison purposes, we put side by side two cards that help people with not-so-good credit scores. On the one hand, the Upgrade Card, with a great starting limit and many advantages.

On the other, the Wells Fargo Reflect℠ card, which offers nearly two years of zero APR. Which one is the best option for you? See the table below and decide:

Upgrade Wells Fargo Reflect℠
Credit ScoreFrom fair to good (between 580 to 850)From 690 to 850 (good or excellent)
Annual Fee$0$0
Regular APR8.99% to 29.99% (fixed)0% for up to 21 months. 13.24%-25.24% after that period.
Welcome bonus$200 bonus if you make 3 deposits within the first 60 days after account opening.None
Wells Fargo logo

Wells Fargo Reflect℠ Card: check out how to apply!

0% APR and $600 as insurance for your cell phone: learn how to apply for your Wells Fargo Reflect℠ credit card for these and other benefits.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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