Unique Selling Point:
Upgrade Card is a credit card that functions like a personal loan, where the card user is issued with a personal line of credit, and pays it back in fixed repayments over an extended period of time.

Who is this card for:
If you’re someone who needs an extended period of time to pay off major expenses, and you want to put them on a credit card that gives you consistent, fixed payments over time than this may be the card for you. In contrast to regular credit cards that accrue high interest if the balance is not payed off by the end of the month, Upgrade Card is designed for higher priced purchases and offers a lower fixed rate of interest that is consistent  over time. Upgrade Card can also help your credit score for these type of purchases because your balance doesn’t get counted toward your debt utilization ratio. Additionally, monthly repayments can be debited directly from your bank account and the outstanding balance can be payed of at any time with no penalty.

Bonus points:
– There are zero fees of any kind.
– Users get access to free credit monitoring, alerts and credit education tools.
– $0 in fraud liability.