Green Upgrade card with contactless symbol and Visa logo

Upgrade Card

1.5% cash back on payments*

Get Started
Get Started
  • No fees
  • Credit lines from $500 to $25,000**
  • Use wherever Visa® is accepted***

Personal Loans up to $50,000

A smarter way to use credit.
Won’t impact your credit score.

How Upgrade Card Works

Green Upgrade card with contactless symbol and Visa logo

  1. Get your Upgrade Card

    Apply online and get a credit line up to $25,000** with your Upgrade Card

  2. Make purchases or get funds sent to your account

    Pay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.* Or get funds sent to your bank account

  3. Pay it down

    Make monthly payments, which can be debited directly from your bank account, and get your unlimited 1.5% cash back on payments*

Need help?

Any questions about your loan application?
We’re here for you!

Ask Us Anything

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% cash back on all purchases when you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Certain limitations apply. Please refer to your Cardholder Agreement for more information. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

** 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.

If there are changes to your credit score or other risk factors based on a soft inquiry, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future transactions if you wish to continue using your line. Transactions will be subject to a minimum draw amount, which is determined based on your total line availability. There is no minimum draw amount when you use the Upgrade Card. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.

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 36 to 60 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. 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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