What is the Upgrade OneCard? (Accounts opened before April 2, 2026)
The Upgrade OneCard (opened before April 6, 2026) is a card that empowers customers to make deliberate choices about managing short-term and long-term expenses by setting preferences to pay off purchases now with no interest (Pay Now) or later in monthly installments with each balance having its own fixed rate (Pay Later).
Customers with a Rewards Checking Preferred account through Upgrade can link that account to the Pay Now feature of their Upgrade Card and tap into Extra Spending Power. Linking Rewards Checking Preferred Account to Upgrade OneCard allows customers to make payments to their Upgrade Card and to take advantage of the higher Upgrade Card rewards program, all while avoiding any interest on their Pay Now purchases.
Articles in this section
- Are there any ATM fees associated with the Upgrade OneCard? (Accounts opened before April 6, 2026)
- Can I switch my Upgrade OneCard purchases between Pay Now and Pay Later? (Accounts opened before April 6, 2026)
- Can I use my Upgrade OneCard to withdraw funds at an ATM? (Accounts opened before April 6, 2026)
- Do I have the option to have my Pay Now pulled from my bank account at the point of sale? (Accounts opened before April 6, 2026)
- How do I activate my Upgrade Card?
- How do I change my Upgrade OneCard ATM PIN? (Accounts opened before April 6, 2026)
- How long will it take to receive my Upgrade Card? (Accounts opened before April 6, 2026)
- Upgrade OneCard 2% / 1.5% Cash Back Rewards (Accounts opened before April 6, 2026)
- Upgrade OneCard 2% / 1% Cash Back Rewards (Accounts opened before April 6, 2026)
- Upgrade OneCard Details (Accounts opened before April 6, 2026)