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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

$21 Billion

TrustScore 4.7 out of 5 (Excellent)

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

Manage your Upgrade account on the go

We’re here to help!

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Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

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

Not for payments. Payment address can be found here.

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