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Upgrade Bitcoin Rewards

Unlimited 1.5% back in bitcoin when you make payments1

Get Started

  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2

  • No Fees

  • 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 low cost and predictability of a personal loan
Convenient

Convenient

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

Predictable

Predictable

Pay down balances from each month at a fixed rate with equal monthly payments

Rewarding

Rewarding

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

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 i28 years ii
Interest paid over that time$2,102.71 iii$14,423.16 ii

i. Example of amortization period using Upgrade Card.

ii. 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/).

iii. 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 Bitcoin Rewards Work

Green Upgrade card with contactless symbol and Visa logo

  1. 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

  2. Get Rewarded with Bitcoin

    Your Unlimited 1.5% back on payments is paid in bitcoin1

  3. Watch your Bitcoin Go!

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

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™.

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From Our Customers

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1 Earn unlimited 1.5% back in bitcoin rewards when you make payments on your purchases. Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit. Additional limitations apply. Please refer to the Program Terms and Conditions and your Cardholder Agreement for more information.
Bitcoin services and accounts provided by NYDIG. See NYDIG Terms. NYDIG does not support bitcoin services and accounts in all states. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade.

2 To qualify for the $200 bitcoin welcome bonus, you must open and fund a new Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The value of the $200 worth of bitcoin provided will be based on the reference rate at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and such bitcoin may change in value by the time you are able to redeem it. See additional information applicable to bitcoin accounts and services. Your Upgrade Card must be in good standing to receive a bonus.

3 Credit Lines opened through Upgrade feature APRs of 8.99% - 29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors.

4 The Upgrade Card cannot be used at an ATM.

If there are changes to your credit score or other risk factors based on a soft inquiry, 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 terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future transactions if you wish to continue using your line. Transactions will be subject to a minimum draw amount, which is determined based on your total line availability. There is no minimum draw amount when you use the Upgrade Card. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.

Copyright 2022 Upgrade, Inc.
All rights reserved.

Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Bitcoin services and accounts provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms.

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