Raspberry Pi 4 upgrade

What is the easiest way to upgrade the raspberry pi 4 running VirtualHere CloudHub. I know I can't do the internal update, I have to rewrite the sd card. Is there a single file I can copy over to keep all the settings for the server, wifi, passwords, name,etc?

#2

Actually i think the settings will be kept even if you re-write the sdcard. Im not actually sure how it does that but i think they will be kept. (They were kept on the pi3b clouhub image rewrite, and im assuming the pi4 is similar)