Updated September 28, 2026 · SumCue Editorial Team
AXI Card Tarjeta y Credito vs Upgrade
AXI Card Tarjeta y Credito
Upgrade
Higher score in this comparison
AXI Card Tarjeta y Credito vs Upgrade: the differences
| Compare | AXI Card Tarjeta y CreditoReviewVisitVisit | UpgradeReviewVisitVisit |
|---|---|---|
| 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 adults in Spain who want a small revolving credit line on a card with no annual or monthly fee. The catch is the cost of borrowing: 21.59% sits well above the 4.9 picture here, and a hard check decides who is accepted.
Upgrade
Upgrade suits US borrowers who want a direct lender with fixed rate personal loans, a credit line and quick access to money, and the fee is taken from the proceeds before you see it. It scores 6.4 on offer, and the arrangement fee runs 1.85% to 9.99% on top of the rate.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Cost | 8.9Annual fee €0, monthly fee €0 and free early repayment, offset by 21.59% interest and 0 EUR (card issuance and annual maintenance). | 9.0Higher |
| Offer | 8.7Credit line to up to €1,500 with Immediate: credit line available on card activation funding. | 9.4HigherDirect lender with loans of $1,000 to $50,000 over 24 to 84 at 7.74% to 35.99%, plus same day funding and a credit line. |
| Trust | 9.4 | 9.4 |
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.
How they place
| Ranking | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Loans | 42 of 2043 | 94 of 2043 |
| Personal loans | 36 of 1317 | 80 of 1317 |
| Credit and debit cards | 13 of 1594 | 26 of 1594 |
| Credit cards | 4 of 421 | 9 of 421 |
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 reviewEvery 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 |
Credit cards
| Fact | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Annual fee | €0 | $0 |
| Currency conversion fee | 0%Lower | 3% |
| Rewards type | None | Cashback |
| Rewards rate | Not confirmed | 3% cash back on gas, groceries, streaming and monthly subscriptions, and utilities; 1% on everything else, uncapped |
| Perks | Not confirmed | Visa Zero Liability protection, Travel and Emergency Assistance Services, Roadside Dispatch, Upgrade Shopping offers, Rewards do not expire, 24/7 fraud monitoring and real time alerts, Flexible payment options Pay Now, Pay in 4, Pay Over Time (coming soon) |
| Card kind | Credit | Credit |
Savings
| Fact | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Headline rate | 21.59% | Not confirmed |
| Access terms | Revolving credit line up to 1500 EUR, repaid in full between day 1 and day 5 of the following month, or a minimum monthly payment of 19% of the total payable | Not confirmed |
| Monthly fee | €0 | $0 |
| Account kind | Easy access | Not confirmed |
Debit cards
| Fact | AXI Card Tarjeta y Credito | Upgrade |
|---|---|---|
| Free ATM withdrawals | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Cashback rate | Not confirmed | 2% |
| Card network | Not confirmed | Visa |
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 | 9.99% |
| 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 |
Median across 1096 listed providers.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- No annual fee of €0 and no monthly fee of €0 on the credit card, so an unused line costs nothing to hold
- Funding is Immediate: credit line available on card activation, with the credit line live as soon as the card is activated
- Early repayment is free, so paying the balance in full shortens the interest charged rather than adding a charge
Cons
- Interest is the real cost: 21.59% is above the 15.5% typical of comparable borrowing, and the fixed rate does not fall with a longer relationship
- The line is small at up to €1,500, so anything larger needs another lender, unlike Creduma ES which starts at from €12,000
- Applications run a hard credit check, and fair credit history is the stated bar, with no softer prequalification step
Upgrade
Pros
- Fixed rate personal loans with an APR of 7.74% to 35.99%
- Free early repayment lets you settle the balance early without a charge
- Soft prequalification, so a soft prequal credit check comes before a hard search
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from loan proceeds, so the amount received is lower than the amount borrowed
- The top of the APR range is far above the site median of 15.5%
- The smallest loan is $1,000 to $50,000, which rules out small emergency amounts
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Adults resident in Spain with a DNI, or a NIE plus a passport if they are not a Spanish citizen
- People who already clear their card balance in full each month and treat the line as a short bridge
- Borrowers comfortable with a revolving balance rather than a fixed personal loan repayment
Who should look elsewhere
- Anyone needing a large one-off sum, where Creduma ES and its from €12,000 floor is a better fit
- Borrowers wanting cheaper credit, since Sofkredit charges 10.74% to 18.06%
- Applicants with overdue debts or an ASNEF registration, who are turned away on eligibility
Upgrade
Who it suits
- US residents who want one lender for a loan and a credit line
- Borrowers consolidating debt or funding home improvement who value a fixed rate
- Adults who prefer a soft prequal credit check before committing
Who should look elsewhere
- Borrowers who would rather pay fees up front, since the arrangement fee of 1.85% to 9.99% comes out of the amount borrowed
- Anyone outside the US, as eligibility is tied to US residency and citizenship status
- Borrowers who need a very large sum, since the maximum is $1,000 to $50,000
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 AXI Card charge to borrow?+
The rate is the main cost. 21.59% is the APR and the rate type is fixed. The representative example sets out the annual interest and the total cost of credit on a fully drawn line, settled across one payment period. Clearing the line in full at the start of the following month keeps that cost down.
Are there any fees on the card itself?+
No annual or monthly charge is listed. The annual fee is €0, the monthly fee is €0 and the origination fee is 0 EUR (card issuance and annual maintenance), which covers card issuance and annual maintenance. Currency conversion on the card is 0%, so spending outside euro adds nothing to the bill.
Upgrade
What rate will I pay on an Upgrade personal loan?+
Upgrade offers fixed rate loans with an APR of 7.74% to 35.99% and terms of 24 to 84. Loans cover personal, debt consolidation, secured and car borrowing, and the model is fixed rate rather than variable, so repayments stay the same each month.
How much does an Upgrade loan cost in fees?+
An arrangement fee of 1.85% to 9.99% applies, and it is deducted from your loan proceeds rather than billed separately. That means the amount you receive is lower than the amount you borrow, so the fee and the interest rate stack up.
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