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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†
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Innovative Approach to Payments and Crypto Rewards

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

Use wherever Visa® is accepted. Or send funds to your bank account

Predictable

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

Rewarding

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
$252.25

Variesi

Time to pay off the balance
3 years

22 yearsii

Interest paid over that time

$1,575.71iii

$6,923.09ii

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.

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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Email us at
support@upgrade.com
Or call us at
(844) 319-3909
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Saturday - Sunday, 6am - 5pm PT

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Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
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For other inquiries, contact us at
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* 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. Your bitcoin cannot be transferred to a separate wallet. You will be subject to an initial 90-day holding period after the first bitcoin purchase on your account, during which time your bitcoin cannot be sold. 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.

** To qualify for the $100 bitcoin welcome bonus, you must make $500 in total purchases with your card and make on-time payments of at least the minimum required monthly payment amount on your Upgrade Card in 3 consecutive months all within 1 year of the date the account is opened. Non-purchase transactions, such as sending funds electronically to your bank account, do not qualify. The value of the $100 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. You will be subject to an initial 90-day holding period after the first bitcoin purchase on your account, during which time your bitcoin cannot be sold. See additional information applicable to bitcoin accounts and services.

*** Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 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. 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 the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

† The Upgrade Card cannot be used at an ATM.

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. ACH transactions will be subject to a minimum amount, which is determined based on your total line availability. There is no minimum transaction amount when you use the Upgrade Card. For more information, please refer to the applicable Personal Credit Line Agreement.

Copyright 2023 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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