Upgrade Bitcoin Rewards

1.5% back in bitcoin when you make payments*

  • Credit lines from $500 to $25,000**

  • Affordable monthly payments with no annual fee

  • Use wherever Visa® is accepted***

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AFFORDABLE CREDIT LINE

Upgrade Card

BORROW UP TO $50,000

Personal Loans

NO-FEE CHECKING WITH CASH BACK

Rewards Checking

500,000+CUSTOMERS

$7 Billion +BORROWED

TRUSTPILOT RATING

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

Trustpilot

Upgrade Card

Unlimited 1.5% back in bitcoin

  • 1.5% back in bitcoin on Upgrade Card purchases when you pay them back*

  • Enjoy the flexibility of a credit card with the low cost of a personal loan

  • Chip-enabled contactless card allows fast, safe, and hassle-free payments

  • Use wherever VISA® is accepted***

Learn more about Upgrade Card

Upgrade Card

Unlimited 1.5% back in bitcoin

  • 1.5% back in bitcoin on Upgrade Card purchases when you pay them back*

  • Enjoy the flexibility of a credit card with the low cost of a personal loan

  • Chip-enabled contactless card allows fast, safe, and hassle-free payments

  • Use wherever VISA® is accepted***

Learn more about Upgrade Card

Personal Loans

Achieve more with one-day funding†

  • Get the funds you need – sent directly to your bank account - within 1 business day of approval, so life won't slow you down

  • Fixed rates and predictable payments

  • Pay off your loan at any time, with no prepayment penalty

Learn more about Personal Loans

Personal Loans

Achieve more with one-day funding†

  • Get the funds you need – sent directly to your bank account - within 1 business day of approval, so life won't slow you down

  • Fixed rates and predictable payments

  • Pay off your loan at any time, with no prepayment penalty

Learn more about Personal Loans

Rewards Checking

No-fee checking account with cash back

  • Earn up to 2% cash back on common everyday expenses

    2

  • No fees, really

    1

  • Lower rates on new Upgrade loans and cards

    3
Learn more about Rewards Checking

Rewards Checking

No-fee checking account with cash back

  • Earn up to 2% cash back on common everyday expenses

    2

  • No fees, really

    1

  • Lower rates on new Upgrade loans and cards

    3
Learn more about Rewards Checking

Manage your Upgrade account on the go

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275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

* Earn unlimited 1.5% back in bitcoin rewards when you make payments on your purchases. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Your bitcoin cannot be transferred to a separate wallet. You will be subject to an initial 90-day holding period after the first bitcoin purchase on your account, during which time your bitcoin cannot be sold. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit. Additional limitations apply. Please refer to the Program Terms and Conditions and your Cardholder Agreement for more information.
Bitcoin services and accounts provided by NYDIG. See NYDIG Terms. NYDIG does not support bitcoin services and accounts in all states. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, however Upgrade does not engage in any bitcoin services.

** Credit Lines opened through Upgrade feature APRs of 8.99% - 29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.

*** The Upgrade Card cannot be used at an ATM.

1 There are no account fees, overdraft fees, annual fees, or transfer fees associated with Rewards Checking accounts. Rewards Checking charges no ATM fees, but third-party institutions may charge you a fee if you use their ATM/network or if you use your Upgrade VISA® Debit Card internationally. Upgrade will rebate any ATM fee charged by another institution for debit card withdrawals in the United States, up to five times per calendar month. To be eligible for third-party ATM fee rebates in any month, customers must maintain an average daily balance in their Rewards Checking account of at least $2,500 for that month, or make a direct payroll deposit into their account of at least $1,000 during that month. Some limitations apply. Please refer to the applicable Cross River Bank Deposit Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures for more information.

2 Rewards Checking customers earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card charges. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card charges for the remainder of the year. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.

3 The interest rate on a new loan or credit line through Upgrade may be up to 20% lower than would otherwise be applicable without this discount, as long as you have an active Rewards Checking Account. Additional terms may apply. Please refer to the applicable Truth-in-Lending Disclosure and Loan Agreement.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Personal loans made through Upgrade feature APRs of 5.94%-35.97%. All personal loans have a 2.9% to 8% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

Information about our state licenses can be found here.

Copyright 2021 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's lending partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Bitcoin services and accounts provided by NYDIG. See NYDIG Terms. Rewards Checking accounts provided by Cross River Bank, member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

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