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What is the credit limit of an Upgrade OneCard with Secured Account? (Accounts opened before April 6, 2026)

The amount deposited in the Secured Account sets the credit limit for your card, with a maximum credit limit of $5,000. Additionally, you can unlock up to $5,000 in Extra Spending Power by enabling Pay Now with a Rewards Checking Preferred Account or Secured Account, bringing the maximum balance available up to a combined total of $10,000.

For example, if your Secured Account has a balance of $1,000 and you have a Rewards Checking Preferred Account with a balance of $1,500, your Secured Upgrade OneCard would have a credit limit of $2,500.

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