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Upgrade to Rewards Checking

  • No ATM fees, no account fees, no transfer fees2
  • Pair with a 4.41% APY3 Everyday Savings account and reach your goals faster
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FDIC insured up to $250,000 through Cross River Bank, Member FDIC

borrow up to $50,000

Personal Loans
borrow up to $50,000

EARN UP TO 3% CASH BACK

See All Upgrade Cards
EARN UP TO 3% CASH BACK

PAY NOW OR PAY LATER

OneCard
PAY NOW OR PAY LATER

earn 4.41% APY WITH NO FEES

Premier Savings
earn 4.41% APY WITH NO FEES

up to 2% CASH BACK AND NO FEES

Rewards Checking Plus
up to 2% CASH BACK AND NO FEES

Discover ways to save

Auto Refinance
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Uplift is becoming Flex Pay!

Looking to manage your Flex Pay account? We'll get you set up with an Upgrade account soon. For now, continue to make payments here.

2M+Customers
$21BBorrowed
TrustScore 4.7 out of 5 (Excellent)
38K+Reviews
Nerdwallet Best-Of Awards 2024
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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.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 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.

2 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.

3 This Annual Percentage Yield (APY) is effective as of November 12, 2024. The APY for the Everyday Savings account is variable and may change at any time.

4 You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate the Pay Now feature on your OneCard and keep that feature linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for common everyday OneCard purchases 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; you will accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment 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.

5 Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your OneCard balance after your next scheduled monthly payment. To earn 3% or 2% cash back, you must open a Rewards Checking account through Upgrade and, in each statement cycle for your Rewards Checking account thereafter, maintain a qualifying active account as described here. If you meet that activity threshold, you will earn 3% cash back on common everyday OneCard purchases 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; you will earn 2% cash back on all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will earn 2% cash back. If you do not meet the Rewards Checking activity threshold, you will earn 1.5% cash back on all purchases. Rewards associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. Eligibility for 3% “everyday” cash back is determined by the merchant category code (MCC), which merchants choose based on the kinds of products and services they primarily sell. For more information on the merchant codes for “everyday” cash back, please click here. Some limitations apply. Please refer to your Cardholder Agreement for more information.

6 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.

7 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

† 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%-35.99%. All personal loans have a 1.85% to 9.99% 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.

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Information about our state licenses can be found here.

Copyright 2025 Upgrade, Inc.
All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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