Upgrade to Rewards Checking
2% Cash back
Common everyday expenses1
1% Cash back
Everything else1
- No ATM fees, no account fees, no transfer fees2
- Pair with a 4.00% APY3 Everyday Savings account and reach your goals faster
Open Account
FDIC insured up to $250,000 through Cross River Bank, Member FDIC

2 Million
Customers
$21 Billion
Borrowed

Trustpilot
Rewards Checking

No-fee checking account with cash back
- Earn up to 2% cash back on common everyday expenses1
- No fees, really2
- Lower rates on new loans and cards through Upgrade4

Personal Loans

Achieve more with fast funding†
- Get the funds you need – sent directly to your bank account – within a day of clearing verifications, so life won't slow you down
- Fixed rates and predictable payments
- Pay off your loan at any time, with no prepayment penalty

Upgrade Card

Upgrade OneCard
- Get 3% cash back on everyday purchases, 2% on everything else5
- You control how you pay for your purchases: Pay Now with no interest, or Pay Later6
- Extra Spending Power when you have Rewards Checking through Upgrade7
- No annual fee

From Our Customers
It is great working with Upgrade. They sent the money right away to my bank account and I can start paying off my credit cards. Thanks Upgrade for your help. Upgrade is great!
- Jose, Refinance Credit Cards
Need Help?
Email us at
support@upgrade.com
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