Skip to content

Upgrade Cards

Cash Rewards

1.5% Cash back

rewards on all purchases1
    No annual fee
    Credit lines from $500 to $25,0002
See if you have an offer with no impact to your credit score

You're in control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded with 1.5% cash back1

Lower cost

Set payoffs bring your balance down faster so you can pay less interest

And, no annual or late fees


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

How it Works

Apply for Upgrade Card

Get a credit line from $500 to $25,0002

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted4

Make monthly payments

Use AutoPay for simple, automated payments

Get rewarded

Earn 1.5% unlimited cash back everyday on every purchase when you pay it back1

Plus, earn up to 10% cash back with Upgrade Shopping powered by Dosh®

Cash back

Use your Upgrade Card to get up to 10% cash back on from your favorite brands5

From Our Customers

Upgrade on the go

Manage your account with the app

Apple App StoreGoogle Play Store
application illustrations

Recommended Articles

Upgrade Card FAQs

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