Fixed rate instalments offer predictability and peace of mind. When you use fixed rate instalments, you know exactly how much you’ll pay each month, regardless of how interest rates fluctuate. This can be a major advantage if you’re worried about your budget or if you have other financial obligations.

Yes, you can use your cash back rewards to pay your Upgrade Cash Rewards card balance. You can redeem your rewards at any time and for any amount. To redeem your rewards, simply log in to your Upgrade account and click on the “Rewards” tab.

Yes, Upgrade is a trustworthy company. Upgrade is a licensed and regulated financial institution. The company is also a member of the Better Business Bureau and has an A+ rating.