This is a legitimate question.
Note that Upwork is more flexible regarding payment methods than payment WITHDRAWAL methods.
You may not withdraw money to a bank account (or PayPal account, or Payoneer account, etc.) which is NOT in your name.
But you MAY use a credit card to MAKE PAYMENT (such as for preimium membership, or to hire freelancers) if that credit card is not in your name. As long as you have permission to use the card.