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Upgrade Card

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

  • $100 bonus after $500 in purchases and 3 on-time payments**
  • No fees
  • Credit lines from $500 to $25,000***
  • 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 predictability of a personal loan

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

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

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 25, 2023


Lifetime Cash Back

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

Not for payments. Payment address can be found here.

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