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About Us

Helping you move up

Helping you move up

Upgrade helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees.

That’s because we believe credit should be affordable and responsible. So we design all our credit, mobile banking and payment products to do three things:

Give you responsible options.

Keep you on track.

And reward you along the way.

The way it should be.

In just the last six years, we’ve made over $27 billion of credit available to our customers. Millions of families across America are now using an Upgrade Card, Loan or Rewards Checking account. That’s millions of people getting more value than they would from a traditional bank. And a better experience, too.

Learn more about the team.

Recognized For Our Products

Nerdwallet best personal loans 2023 award
The Ascent besto personal loans 2023 award
Wallet hub best cash back award
Wallet hub best rewards cards award

Recognized For Being a Great Place to Work

Forbes America’s Best Startup Employers 2023 award
Builtin 2023 Best Places to Work award
American banker Best Places to Work in Fintech 2022 award

Our Offices

San Francisco



Engineering Center


Regional Office

Orange County

Regional Office

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

Not for payments. Payment address can be found here.

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