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Yes, the Upgrade Card will do a hard pull and you'll need a credit score of at least 700 to get it.
You can prequalify for the Upgrade Card and they will inform you of your credit line and rate, but you will need to submit an actual application if you want the card, which will result in a hard pull.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage here.
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you definitely don’t need a 700 score.
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