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
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
Traditional Credit Card
Time to pay off the balance
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 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 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®
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.