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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
Convenient

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

Predictable

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 purchase1

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

Cash back

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.

Unlimited 1.5% cash back on all purchases

Simple, unlimited rewards

Get rewarded on all purchases, with no categories to remember

Your cash back balance
As of Feb 21, 2024

$35.56

Lifetime Cash Back
$360.50

From Our Customers

Upgrade on the go

Manage your account with the app

Apple App StoreGoogle Play Store
application illustrations

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
moc.edargpu@rotsevni

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