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Upgrade Bitcoin Rewards

Unlimited 1.5% back in bitcoin*

  • $100 bitcoin bonus after $500 in purchases and 3 on-time payments**
  • Credit lines from $500 to $25,000***
  • Affordable monthly payments with no annual fee
  • Use wherever Visa® is accepted with safe and fast contactless card technology†

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 with equal monthly payments


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

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

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 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.

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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