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Cash Rewards

Unlimited 1.5% cash back on payments1

Cash rewards cards

Triple Cash Rewards

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

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No annual fee

Life Rewards

Unlimited 3% cash back on payments for purchases on gas, grocery, health, streaming, and utilities4

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No annual fee

Cash Rewards

Unlimited 1.5% cash back on payments1

Get Started

No annual fee

Pay now or pay later

Upgrade OneCard

Up to 3% cash back on everyday purchases5
No interest on Pay Now purchases6

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No annual fee

Cryptocurrency reward

Bitcoin Rewards

Unlimited 1.5% cash back in bitcoin on payments4

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No annual fee

Improving Credit

Upgrade Card

Get the credit you need with no annual fee

Get Started

No annual fee

You're in Control with Upgrade Card

Combine the flexibility of a credit card with the predictability of a personal loan
Convenient

Use at retail locations or online, or send funds to your bank account

Lower Cost

No annual or late fees and set payoffs bring your balance down faster so you can pay less interest†

Predictable

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
$252.25

$125i

Time to pay off the balance
3 years

22 yearsii

Interest paid over that time

$1,575.71iii

$6,923.09ii

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 https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx 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:https://www.cardrates.com/).

iii. Interest of $1,575.71 assumes a $5,000 charge and installment payments of $252.25 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

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

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

Cash back

Activate Upgrade Shopping offers from participating merchants via your account dashboard.10 Then shop online through Dosh or at stores, using your Upgrade card. You can get up to 10% cash back as a statement credit on qualifying purchases.

And Upgrade Shopping cash back is earned in addition to other Upgrade Card rewards.

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™.

From Our Customers

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(844) 319-3909
Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 6am - 5pm PT

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

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moc.edargpu@rotsevni

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moc.edargpu@tcatnoc