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The Upgrade credit card is perfect for those looking to responsibly build and manage their credit. The perks include a 0% foreign transaction fee, no annual fee, and no hidden banking fees. Conveniently, the card can be used wherever Visa is accepted. Once approved, you will immediately have access up to $20,000, which will fall within the $500-$50,000 credit line range that Upgrade offers. This card is a great way to expand your flexible credit limit while also building your credit mix.