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You're in Control with Upgrade Card

Combine the flexibility of a credit card with the 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

No annual fee 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. Pay it down

    Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments*

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

Not for payments. Payment address can be found here.

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