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Upgrade Cards

Cash Rewards

1.5% Cash back

rewards on all purchases1
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    No annual fee
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    Check for an offer with no credit score impact

Find the Upgrade Card That's Right for You

Life Rewards3% cash back on Gas, Grocery & more
No annual fee
Get StartedLearn More
Cash RewardsUnlimited 1.5% cash back
No annual fee
Get StartedLearn More
Upgrade OneCardPay now or pay later
No annual fee
Get StartedLearn More
Upgrade SelectGet the credit you need
$39 annual fee
Get StartedLearn More

You're in control with Upgrade Card

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

  • Convenient

    Swipe, tap, insert or purchase online anywhere Visa3 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 fee4

  • Predictable

    Pay down balances from each month at a fixed rate on each purchase

Save on interest over time with Upgrade Card

Each Upgrade Card balance has 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 CardTraditional Credit Card
Monthly payment
$196.13iii
$145.83i
Time to pay off the balance
3 yearsiii
23 yearsii
Interest paid over that time
$2,060.20iii
$8,929.28ii
i. The minimum payment on a traditional credit card would begin at $145.83 for the first payment and would vary, and decreases, as it’s paid down.
ii. Calculated using a minimum monthly payment calculator, assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 23.00%, which is approximately equal to the national average rate for accounts assessed interest, as of November 2024 (Source).
iii. Total interest of $2,060.20 assumes a $5,000 purchase and installment payments of $196.13 for 36 months. Installment payments calculated with 23.00% 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

    Check for an offer with no credit score impact

  • Tap, swipe, click and go

    Use your Upgrade Card anywhere Visa is accepted3

  • Make monthly payments

    Use AutoPay for simple, automated payments

  • Get rewarded

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

Upgrade Shopping

Unlock savings on your favorite brands!

Discover offers, shop, and watch the discounts roll in.5

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

Trustpilot
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Upgrade on the go

Manage your account with the app

Download the Upgrade app for iOSGet the Upgrade app for Android

Need Help?

Email us at
support@upgrade.com

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.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

2 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

3 Except for Upgrade OneCard, your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.

4 To obtain access to your credit line, Upgrade Select cardholders will be charged a $39 annual fee at account opening and subsequent annual fees on each anniversary thereafter. The fee is non-refundable and applies whether or not you use your Upgrade Card. It will be paid as a draw on your credit line, billed in twelve (12) equal monthly installments with no interest, and will reduce the amount of credit you have available. Please refer to your Personal Credit Line Agreement for more information.

5 With Upgrade Shopping, you can redeem purchase offers from participating merchants.  For the current list of merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full Upgrade Shopping terms, please review the Upgrade Shopping Terms and Conditions.

Purchases in Gas, Grocery, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking Preferred account through Upgrade (“Rewards Checking Account”) and either (i) activate Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for 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 accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

Pay Now is an optional feature of OneCard that allows you to designate specific purchases or ATM transactions to be automatically paid off the day after the transaction settles. To make use of Pay Now, you must (1) activate the “Pay Now Purchases” setting and tell us which purchase amounts you would like to designate as Pay Now (for example, all purchases of $25 or less) and/or (2) activate the “ATM Access” setting, which will treat all ATM transactions as Pay Now regardless of the transaction amount. If you do not activate ATM Access, any request for an ATM transaction will be declined. Each transaction will be processed as a credit transaction, but while you will not be charged interest on any transactions that you pay off using Pay Now, transactions designated as Pay Later will accrue interest as described in your Personal Credit Line Agreement. Even after you make a purchase or ATM transaction, you may change the designation of that transaction from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after the transaction settles. Every day at 12pm Pacific Time, we will initiate one-time debits to your designated bank account to pay off the prior day’s settled transactions that were designated as Pay Now. If any debit fails from the primary bank account that is designated in your Pay Now standing authorization, the debit will be initiated from the secondary bank account that is designated (if any) therein. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now transactions to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now debit is returned by your bank, we will switch the underlying transactions to Pay Later, and those transactions will accrue interest as of the original transaction date. Designating a transaction as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.

Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% based on creditworthiness. The lowest rates require Autopay. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Balance transfers are subject to a fee of up to 5% per transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.

If there are changes to your credit score or other risk factors, 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 interest rate on your existing balances will never change. Your interest rate may be adjusted after the first 12 months your account is opened for future purchases or draws. For more information, please refer to the applicable Personal Credit Line Agreement.

App Store® and Apple Pay® are registered trademarks of Apple Inc. Google Play™, Google Pay™, Google Wallet™ and the Google logo are trademarks of Google LLC. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC. Visa is a trademark owned by Visa International Service Association and used under license.

Copyright 2025 Upgrade, Inc.
All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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