Skip to content

Upgrade Card

Affordable credit line and 1.5% cash back rewards on payments1

  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2

  • No fees

  • Credit lines from $500 to $25,0003

  • Use wherever Visa® is accepted with safe and fast contactless card technology4

You're in Control with Upgrade Card

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


Use at retail locations or online and earn unlimited 1.5% cash back on payments.1 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†



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 3

  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.1 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 payments1

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.1

Your Cash Back balance

As of Sep 26, 2022


Lifetime Cash Back


Plus, earn up to 10% extra cash back from select merchants 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.

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