Upgrade Card

Earn a $100 bonus after making 3 consecutive on-time monthly payments.*

Get Started

  • No fees

  • Unlimited 1.5% cash back on payments**

  • Credit lines from $500 to $25,000***

  • Use wherever Visa ® is accepted with safe and fast contactless technology†

You're in Control with Upgrade Card

Combine the flexibility of a credit card with the low cost and predictability of a personal loan
Convenient

Convenient

Use at retail locations or online and earn unlimited 1.5% cash back on payments.** Or send funds to your bank account.

Lower Cost

Lower Cost

No fees and set payoffs bring your balance down faster so you pay less interest‡

Predictable

Predictable

Pay down balances from each month at a fixed rate with equal monthly payments

How it Works

  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. Make on-time monthly payments to earn a bonus

    Make 3 consecutive on-time payments in the first year after your account is opened to earn a $100 statement credit.*

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
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For other inquiries, contact us at
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* To qualify for the $100 statement credit, you must make on-time payments on your Upgrade Card in 3 consecutive months within 1 year of the date the account is opened. The credit will be posted within 1-2 billing periods following the 3rd on-time payment. Existing or previous card holders are not eligible for this one-time bonus.

**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 t your bank account, are not eligible to earn rewards. Certain limitations apply. Please refer to your Cardholder Agreement for more information. Reward 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 draw 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.

‡ Not all traditional credit cards charge fees. However, creditcards.com's 2020 Credit Card Fee Survey found that the average number of fees per card is 4.5. For example, the 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34. 01. The Upgrade Card charges none of these fees. Over 90 percent of cards charge late fees and cash advance fees. The Upgrade Card enables you to transfer cash from your Personal Credit Line to your bank account with no fees.

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 draws. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future draws if you wish to continue using your line. Draws 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.

Copyright 2022 Upgrade, Inc.
All rights reserved.

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.

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