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Upgrade · Visa

Upgrade Secured OneCard

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
2%
Intro offer
Check the issuer page for any current introductory offer and eligibility rules.
Recommended credit
Fair (580-669)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 19.99%
Balance transfer APR
Check issuer terms
Cash advance APR
Check issuer terms
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $29
Grace period
Check issuer terms
Recommended credit
Fair (580-669)
Terms last updated
6/22/2026
Key benefits
  • Fraud-liability protection
  • No yearly card fee
Rewards breakdown

Wafacard summary: this credit-building card shows cash-back earning from 1.5%-3% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Check the issuer page for any current introductory offer and eligibility rules.

Card details

Wafacard note: key fit signals include fraud-liability protection, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Upgrade
Network
Visa
Type
secured
Review status
Terms reviewed 6/30/2026

Is Upgrade Secured OneCard worth it?

The Upgrade Secured OneCard is a no-annual-fee secured card from Upgrade, so you can keep it long term without paying to hold it. It lists 2% on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with fair (580-669) credit, with a purchase APR around APR range: 19.99%. Confirm current terms on Upgrade's site before applying.

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