Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Upgrade
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Upgrade |
|---|---|---|
| APR | 21.59% | 7.74% to 35.99%Lower |
| Loan amount | up to €1,500 | $1,000 to $50,000 |
| Term | 1 month | 24 to 84 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 1.85%-9.99% one-time origination fee, deducted from loan proceeds |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate: credit line available on card activation | Within 1 business day of clearing verifications |
| Representative example | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) | $10,000 unsecured personal loan, 36-month term, 17.59% APR including 13.94% yearly interest rate and 5% one-time origination fee; $9,500 received, $341.48 monthly payment, $12,293.46 total |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; be at least 18 years old (or older where the majority age is higher); provide verifiable bank account information and a valid email address |
| Loan types | Credit line, Personal | Personal, Debt consolidation, Secured, Car |
| Origination fee (%) | Not confirmed | 1.85% to 9.99% |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Upgrade scores higher overall: 9.2 vs 9.0.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Upgrade: 7.74% to 35.99% vs 21.59%.
- Term is higher at Upgrade: 24 to 84 months vs 1 month.
- Features: only Upgrade offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Upgrade offers Debt consolidation, Secured, Car.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.
Upgrade
Upgrade lends directly through Upgrade, Inc. and suits US borrowers who want a fixed rate personal loan, debt consolidation or car finance with fast payout. Amounts run $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, so the monthly figure is set at the start.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Cost | 8.8APR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 9.0Higher |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.3HigherAmounts of $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, fee taken from the payout. |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Bulgaria | Not confirmed | |
| United States | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Upgrade: 1.
A third option
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 24 to 84 months for Upgrade.
Sofkredit reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Personal loans | 38 of 1932 | 91 of 1932 |
| Lines of credit | 8 of 328 | 15 of 328 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Upgrade, Inc. |
| Headquarters | Spain | United States |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Upgrade | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 7.74% to 35.99%below the median | 8.99% |
| Term | 1 monthlowest quarter | 24 to 84 monthsabove the median | 60 months |
| Origination fee (%) | Not confirmed | 1.85% to 9.99%above the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
- Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
- The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
Cons
- Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
- Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
- The line stops at up to €1,500, so it will not stretch to a large expense.
Upgrade
Pros
- Borrowing is priced at a fixed rate, so the monthly payment holds for the life of the loan
- Amounts of $1,000 to $50,000 cover consolidation, car and home improvement plans as listed in personal, debt consolidation and secured
- Free early repayment lets you clear the balance ahead of schedule without a charge
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from the payout, so a loan can arrive smaller than the amount approved
- The top of 7.74% to 35.99% is well above the site median of 12%, so a thin credit file lands at the expensive end
- Eligibility is limited to US citizens, permanent residents or people in the US on a valid visa who can provide verifiable bank details
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
- Anyone who prefers to clear a balance early, since early repayment costs nothing.
- Applicants with fair credit and no ASNEF registration who can pass a full credit check.
Who should look elsewhere
- Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
- Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
- Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.
Upgrade
Who it suits
- US residents who want a fixed rate held across the whole term, as fixed shows
- Borrowers consolidating several balances into a single monthly payment
- Car buyers and home improvement planners, the two uses named in home improvement and personal, debt consolidation and secured
Who should look elsewhere
- Borrowers outside the US, since US is where the lender is based and licences are US only
- Anyone wanting a firm rate before a full application, given soft prequal is a soft prequal step
- People who want a fee paid after the fact, because the arrangement fee is taken from the amount borrowed
Country by country
| Country | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
AXI Card Tarjeta y Credito
What does it cost to open and keep the card?+
Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.
How is the rate set, and can it move?+
The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.
Upgrade
What rate will I pay on an Upgrade personal loan?+
Pricing runs across 7.74% to 35.99% and is set at a fixed rate, so the monthly amount does not move once the loan starts. The top of that range is well above the site median of 12%, so your credit profile decides where you land.
Is there a fee for taking out an Upgrade loan?+
Yes, an arrangement fee of 1.85% to 9.99% applies to the loan. It is taken from the loan proceeds rather than added to your opening payment, which means the amount that reaches your account is smaller than the amount approved.
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