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Upgrade Triple Cash Rewards

Unlimited cash back on payments

  • 3% cash back on Home, Auto and Health Categories, 1% cash back on everything else

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  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions

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  • Credit lines from $500 to $25,000

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  • No Fees

Get Started

1 Million+
Customers

$19 Billion +
Borrowed

TrustScore 4.7 out of 5 (Excellent)
Trustpilot

Personal Loans

Achieve more with fast funding†

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

Rewards Checking

No-fee checking account with cash back

  • Earn up to 2% cash back on common everyday expenses**
  • No fees, really*
  • Lower rates on new loans and cards through Upgrade***

Upgrade Card

Upgrade OneCard

  • Get 3% cash back on everyday purchases, 2% on everything else4
  • You control how you pay for your purchases: Pay Now with no interest, or Pay Later5
  • Extra Spending Power when you have Rewards Checking through Upgrade6
  • No fees

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 - 7pm PT
Saturday - Sunday, 6am - 5pm PT

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