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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

    1

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

    2

  • Credit lines from $500 to $25,000

    3

  • No annual fee

Get Started

Affordable credit lines

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Affordable credit lines

Borrow up to $50,000

Personal Loans

Borrow up to $50,000

no-fee checking with cash back

Rewards Checking

no-fee checking with cash back

2 Million
Customers

$21 Billion
Borrowed

TrustScore 4.7 out of 5 (Excellent)
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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

Refinance credit cards

Debt consolidation

Home improvement

Major purchases

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***
Open account

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 annual fee
Get Started

unlimited 1.5% cash back

Cash Rewards

unlimited 1.5% cash back

unlimited 3% cash back

Triple Cash Rewards

unlimited 3% cash back

unlimited 1.5% back in bitcoin

Upgrade Bitcoin Rewards

unlimited 1.5% back in bitcoin

‍

See all Upgrade Cards

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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
See more Reviews

Manage your Upgrade account on the go

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Need Help?

Email us at
support@upgrade.com
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

1 Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Purchases in Home, Auto, and Health categories earn 3% cash back when you pay them back; all other purchases earn 1% with no maximum. Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they primarily sell. We group similar MCCs into categories for purposes of making rewards available to you, but we do not assign MCCs. Merchants set their own MCC, therefore purchases may not fall into the category where you might expect them to appear. See merchant categories for more information. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments.. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

2 To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

3 Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers are subject to fees that would increase your finance charge and APR on those transactions. 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 is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

4 Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases. Balance transfers and 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 will vary depending on the time it is purchased. 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.

5 Pay Now is a feature of OneCard that allows you to designate specific purchases to be automatically paid off the day after purchases settle. When you authorize us to activate Pay Now, we’ll ask you to tell us your preferences as to which purchases you want to be designated as Pay Now and which as Pay Later. Each purchase will be processed as a credit transaction, but while you will not be charged interest on any purchases that you pay off using Pay Now, purchases designated as Pay Later will accrue interest at the fixed APR shown on your Truth-in-Lending disclosure. Every time you make a OneCard purchase, we’ll designate the purchase as Pay Now or Pay Later based on the preferences you gave us. Even after you make a purchase, you may change the designation of that purchase from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after your purchase settles. Every day at 12pm Pacific Time, we will initiate one-time ACH debits to your bank account to pay off the prior day’s settled purchases that were designated as Pay Now. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now purchases to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now ACH debit is returned by your bank, we will switch the underlying purchases to Pay Later, and those purchases will accrue interest as of the original purchase date. Designating a purchase as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.

6 You may be granted Extra Spending Power if you designate a Rewards Checking Account to be the source of payments for the Pay Now feature of your Upgrade OneCard, maintain a positive available balance in the designated Rewards Checking account, and maintain your Upgrade OneCard account in good standing. If you meet these conditions, the amount of your Extra Spending Power is generally determined by your Rewards Checking account balance, with a larger deposit balance generally correlating to a higher Extra Spending Power, up to a maximum of $5,000. The Extra Spending Power supplements your Credit Limit to increase the amount of your Available to Spend for purchases. We reserve the right to raise or lower the Extra Spending Power maximum from time to time in our sole discretion subject to compliance with applicable law. If you qualify for Extra Spending Power and you make a purchase that causes your Upgrade OneCard balance to exceed your Credit Limit, the amount of the purchase that exceeds your Credit Limit will be processed as a Pay Now purchase, even if the total amount of the purchase would otherwise be processed as a Pay Later purchase based on your Pay Now settings

* 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 to receive third-party ATM fee rebates in any calendar month for eligible ATM withdrawals made during that month, customers must maintain a qualifying active Rewards Checking account as described here in the prior calendar month. As a courtesy to new customers, Upgrade will provide third-party ATM fee rebates for up to the first two calendar months after account opening regardless of account activity. 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.

** 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.

*** 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 as described here. Other terms and conditions 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 Annual Percentage Rates (APRs) of 8.49%-35.97%. All personal loans have a 1.85% to 8.99% 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 17.59% APR (which includes a 13.94% 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 $341.48. Over the life of the loan, your payments would total $12,293.46. 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.

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. App Store is a service mark of Apple Inc. Google, Google Pay and the Google logo are trademarks of Google Inc. VISA is a registered trademark of Visa International Service Association and used under license.

Information about our state licenses can be found here.

Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All Upgrade Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Upgrade is a financial technology company, not a bank. Checking and savings 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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