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Upgrade Cards

Cash Rewards

1.5% Cash back

rewards on all purchases1
    No annual fee
    Credit lines from $500 to $25,0002
See if you have an offer with no impact to your credit score

Find the Upgrade Card That's Right for You

Life Rewards3% cash back Gas, Grocery, and more
No annual fee
Cash RewardsUnlimited 1.5% cash back
No annual fee
Upgrade OneCardPay now or pay later
No annual fee
Upgrade SelectGet the credit you need

You're in control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded

Lower cost

Set payoffs so you can bring your balance down faster so you can pay less interest

And, no annual or late fees5


Pay down balances from each month at a fixed rate and term

Save on interest over time with Upgrade Card

Upgrade Card balances have a fixed rate and term so you know when you pay off your balance and can save on interest. Traditional credit cards can keep you in debt with minimum payments that pay back little of the principal balance.

Bring your balance down faster to pay less interest

Interest paid on a $5,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment

Upgrade Card
Traditional Credit Card
Monthly payment


Time to pay off the balance
3 years

22 yearsii

Interest paid over that time



i. The minimum payment on a traditional credit card would begin at $125.00 for the first payment and would vary, and decreases, as it’s paid down.

ii. Source: minimum monthly payment calculator available at assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source:

iii. Interest of $1,575.71 assumes a $5,000 charge and installment payments of $182.66 for 36 months. Installment payments calculated with 18% APR and 36–month term accounting for interest accrued between the charge date and the due date 51 days later.

How it works

Apply for Upgrade Card

Get a credit line from $500 to $25,000 2

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted4

Make monthly payments

Use AutoPay for simple, automated payments

Get rewarded

Earn unlimited cash back everyday on every purchase when you pay it back

Plus, earn up to 10% cash back with Upgrade Shopping powered by Dosh®

Cash back

Use your Upgrade Card to get up to 10% cash back on from your favorite brands6

Chip enabled contact-less Upgrade Card

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

From Our Customers

Upgrade on the go

Manage your account with the app

Apple App StoreGoogle Play Store
application illustrations

Need Help?

Email us at

Or call us at
(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.

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