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Upgrade Card

$200 bonus when you open a Rewards Checking account and make 3 debit card transactions1

Find the Upgrade Card That's Right for You

Average to excellent credit

Cash Rewards

Unlimited 1.5% cash back on payments2

Get more info
Get Started

No fees

Average to excellent credit

Cash Rewards

Unlimited 1.5% cash back on payments2

Get more info
Get Started

No fees

Average to excellent credit

Triple Cash Rewards

Unlimited 3% cash back on payments for purchases in Home, Auto, and Health categories3

Get more info
Get Started

No fees

Average to excellent credit

Triple Cash Rewards

Unlimited 3% cash back on payments for purchases in Home, Auto, and Health categories3

Get more info
Get Started

No fees

Average to excellent credit

Bitcoin Rewards

Unlimited 1.5% back in bitcoin on payments4

Get more info
Get Started

No fees except bitcoin sale fee4

Average to excellent credit

Bitcoin Rewards

Unlimited 1.5% back in bitcoin on payments4

Get more info
Get Started

No fees except bitcoin sale fee4

Improving credit

Upgrade Card

Get the credit you need with no fees

Get Started

No fees

Improving credit

Upgrade Card

Get the credit you need with no fees

Get Started

No fees

Orange Star Promo Details

$400 welcome bonus*

New Loan Promo Image
Introducing Upgrade OneCard

with Rewards Checking5

Up to 3% cash back on everyday purchases.6 No interest on Pay Now purchases7.

Learn More

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, 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

Lower Cost than Traditional Credit Cards

Bring your balance down faster to pay less interest
Interest Paid on a $10,000 balance with Upgrade Card vs. Traditional Credit Card by a user making a credit card's monthly minimum payment
Upgrade CardTraditional Credit Card
Time to pay off the balance2 years i28 years ii
Interest paid over that time$2,102.71 iii$14,423.16 ii

i. Example of amortization period using Upgrade Card.

ii. Source: minimum monthly payment calculator available at https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx assuming a $10,000 starting balance, “interest + 1%” minimum and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source: https://www.cardrates.com/).

iii. Interest of $2,102.71 assumes a $10,000 charge and installment payments of $504.29 for 24 months. Installment payments calculated with 18% APR and 24-month term accounting for interest accrued between the charge date and the due date 51 days later.

How it Works

  1. Get your Upgrade Card

    Apply online and get a credit line from $500 to $25,000 with your Upgrade Card 8

  2. Make purchases or get funds sent to your account

    Pay with Upgrade Card at retail locations and online wherever Visa® is accepted or get funds sent to your bank account9

  3. Pay it down

    Make monthly payments, which can be debited directly from your bank account

Chip Enabled Contactless Upgrade Card

No touch payment is fast, safe, and hassle-free.
Pay with your phone or device by using Apple Pay™ or Google Pay™.

Apple PayContactlessGoogle Pay

From Our Customers

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support@upgrade.com

(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.

Looking to Invest? Contact us at
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For other inquiries, contact us at
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1 To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

2 Earn unlimited 1.5% cash back on all purchases after you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. Rewards associated with the Upgrade Card, 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. Certain limitations apply. Refer to your Cardholder Agreement for more information.

3 Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Purchases in Home, Auto, and Health categories earn 3% cash back when you pay them back; all other purchases earn 1% with no maximum. Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they primarily sell. We group similar MCCs into categories for purposes of making rewards available to you, but we do not assign MCCs. Merchants set their own MCC, therefore purchases may not fall into the category where you might expect them to appear. See merchant categories for more information. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments.. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments 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.

4 Earn unlimited 1.5% back in bitcoin rewards when you make payments on your purchases. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin will vary depending on the time it is purchased. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit. Additional limitations apply. Please refer to the Program Terms and Conditions and your Cardholder Agreement for more information.
Bitcoin services and accounts provided by NYDIG. See NYDIG Terms. NYDIG does not support bitcoin services and accounts in all states. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade.

5 You are not required to open a Rewards Checking account through Upgrade to get OneCard. You may choose during the application process whether you wish to open a Rewards Checking account; that choice has no bearing on your likelihood of approval. If you are approved for OneCard, when you activate your card, you may choose to use any ACH-capable deposit account from your bank of choice. If you choose an external deposit account, your cash back rewards will be lower—1.5% across all purchases, earned after you make repayments—and you will not be eligible for Extra Spending Power.

6 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.

7 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. We’ll apply your preferences every time you make a OneCard purchase. 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 will not be charged interest on any purchases that you pay off using 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. Designating a purchase as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period. Pay Later purchases will accrue interest at the fixed APR shown on your Truth In Lending statement.

8 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 transaction 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.

9 The Upgrade Card cannot be used at an ATM.

* To qualify for the $400 welcome bonus, you must open a new Rewards Checking account through Upgrade and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking debit card within 60 days of your Upgrade OneCard account opening. Non-purchase transactions, such as sending funds electronically to your bank account, do not qualify. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. Bonuses associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Bonuses are a gratuity from Upgrade and are not your property until redeemed. The bonus credit will be posted to your Upgrade OneCard as a statement credit within 1–2 billing periods following the third card transaction. Your Upgrade OneCard must be in good standing to receive or redeem a bonus.

† 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 balance transfer 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 transactions. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future transactions if you wish to continue using your line. Transactions 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. All Upgrade Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Bitcoin services and accounts provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms.

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