Our goal is to offer our users more value and a better experience than they receive from their traditional bank. We fulfill that goal with affordable and responsible loans and cards, and no fees and high rewards checking accounts.
Who We Are
Upgrade’s founding team pioneered fintech 15 years ago. In 2017 we launched Upgrade to offer our users more value and a better experience than they receive from their traditional bank. In the last five years, over 15 million people have applied for an Upgrade Card or loan through Upgrade, and we have made over $15 billion in affordable and responsible credit available to our customers. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan. Our latest offering, Rewards Checking, gives customers access to no-fee checking accounts with 2% cash back rewards on common everyday spending. Learn more about the team.
How We Help
Our customers get the most value by combining Rewards Checking with affordable loans and cards, free credit monitoring, and credit education tools.