Upgrade Card

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

  • 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


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‡



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.

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