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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

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
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc