1. It’s essentially three products in one The Upgrade OneCard combines the immediate payment of a debit card, the rewards and fraud protection of a credit card, and the fixed monthly payments of ...

Plus, the joining and annual fees are waived for users using OneCard credit cards. Our ratings take into account a product's rewards, fees, rates and other category-specific attributes.

At first glance, the Upgrade OneCard* may seem appealing because of its rewards rate and lack of an annual fee. But look closer and you’ll see that this card is all show and no substance.

Terms apply. $200 welcome bonus when you start using a new Rewards Checking account and make three purchases The Upgrade OneCard™ allows consumers to designate between "Pay Now" and "Pay Later ...

Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before ...