Upgrade Card

Affordable credit line and 1.5% cash back rewards on payments*

Get Started

  • No fees

  • Credit lines from $500 to $25,000**

  • Unlimited 1.5% cash back on payments*

  • Use wherever Visa ® is accepted with safe and fast contactless technology***

You're in Control with Upgrade Card

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

Convenient

Use at retail locations or online and earn unlimited 1.5% cash back on payments.* Or send funds to your bank account.

Lower Cost

Lower Cost

No fees and set payoffs bring your balance down faster so you pay less interest†

Predictable

Predictable

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

How it Works

  1. Get your Upgrade Card

    Apply online and get a credit line up to $25,000** with your Upgrade Card

  2. Make purchases or get funds sent to your account

    Pay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.* Or get funds sent to your bank account

  3. Pay it down

    Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments*

Unlimited 1.5% Cash Back on Payments

Get rewarded when you pay down your balance

Earn 1.5% cash back on Upgrade Card purchases when you pay them back.*

Your Cash Back balance

As of Jan 13, 2022

$35.56

Lifetime Cash Back

$360.50

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

*Earn unlimited 1.5% cash back on all purchases when you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. Payments on non-purchase transactions, such as sending funds electronically t your bank account, are not eligible to earn rewards. Certain limitations apply. Please refer to your Cardholder Agreement for more information. Reward associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

**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 draw 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 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 draws. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future draws if you wish to continue using your line. Draws 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.

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