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

The Upgrade One with Secured Card Account gives users all the benefits of Upgrade OneCard: great cash back rewards and the flexibility to Pay Now with no interest or Pay Later in monthly installments at a fixed rate for each balance. 

In addition, a Upgrade OneCard is designed to help customers build credit responsibly by using a secured deposit to set the card’s credit limit. Payment history is reported to the major credit bureaus, so regular on-time payments can help in building your credit score.

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