Skip to content

Upgrade Bitcoin Rewards

Unlimited 1.5% back in bitcoin when you make payments1

  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2
  • No annual fee
  • Credit lines from $500 to $25,0003
  • Use wherever Visa® is accepted with safe and fast contactless card technology4

Innovative Approach to Payments and Crypto Rewards

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

Use wherever Visa® is accepted, or send funds to your bank account


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


Earn unlimited 1.5% in Bitcoin on all purchases when you pay them back1

Lower Cost than Traditional Credit Cards

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 $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 Bitcoin Rewards Work


Earn rewards when you make payments on your purchases

Use at retail locations or online and earn 1.5% back on all purchases when you pay them back


Get Rewarded with Bitcoin

Your Unlimited 1.5% back on payments is paid in bitcoin1


Watch your Bitcoin Go!

Monitor your bitcoin balance over time, or sell it and redeem the proceeds for statement credit

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.5 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

Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 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