Upgrade Card

Affordable credit line and 1.5% cash back rewards on payments*

  • No fees
  • Credit lines from $500 to $25,000**
  • Unlimited 1.5% cash back on payments*
  • 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

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

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 128 years 2
Interest paid over that time$2,102.71 3$14,423.16 2

1. Example of amortization period using Upgrade Card

2. 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/).

3. 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

Green Upgrade card with contactless symbol and Visa logo
  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 1.5% cash back on payments*

Unlimited 1.5% Cash Back on Payments


Get rewarded when you pay down your balance

Earn 1.5% cash back on Upgrade Card purchases when you pay them back.*

Your Cash Back Balance
As of May 7, 2021
Lifetime Cash Back

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


(844) 319-3909

Monday - Friday, 6am - 6pm 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

For other inquiries, contact us at