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Upgrade Card

  • No annual fee
  • Unlimited 1.5% cash back on payments2
  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions3
  • Use wherever Visa® is accepted with safe and fast contactless card technology.4
Get Started

You're in Control with Upgrade Card

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

Use at retail locations or online and earn unlimited 1.5% cash back on payments.2 Or send funds to your bank account.

Lower Cost

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

Predictable

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

How it Works

1

Get your Upgrade Card

Apply online and get a credit line from $500 to $25,000 with your Upgrade Card 5

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.2 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 payments2

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

Cash back

Activate Upgrade Shopping offers from participating merchants via your account dashboard.6 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 Payments

Get rewarded when you pay down your balance

Earn 1.5% cash back on Upgrade Card purchases when you pay them back.2

Your Cash Back balance
As of Jun 6, 2023

$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.

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1 Receive a {{activePromotion.apr}} fixed rate Annual Percentage Rate (APR) for the life of qualifying transferred balances when the transfers are properly requested within {{activePromotion.numDays}} days of account opening. This offer is available through {{activePromotion.throughDate}}. Any balance transfer requested after {{activePromotion.numDays}} days of account opening will be subject to your non-intro APR, as shown on your account dashboard. We do not charge balance transfer fees. We may begin to charge such fees on all Upgrade Card accounts in the future. We will waive those fees if we begin to charge them during your promotional period. You will receive 45 days notice of any balance transfer fees. Balance transfers do not qualify for rewards upon repayment. Balance transfers are made available to you at our discretion and are subject to review and approval. The balance transfer feature allows you to make qualifying balance transfers to your Upgrade Card by paying off outstanding credit balances you have with other financial institutions using funds from your Upgrade Card. Balance transfers incur interest charges from the transaction date. We can arrange direct payments to pay down credit cards issued in the United States. We cannot arrange payments to another person’s card or account. You cannot transfer balances from any credit you obtain through Upgrade. It may take up to 4 business days for your third-party creditor to receive the funds. The pay out date may not align with the applicable due date and it is your responsibility to continue paying each third-party creditor on time. Once your balance transfer is processed, funds sent to pay down outstanding credit balances cannot be pulled back or refunded. If you have a dispute with a third-party creditor and pay that balance by transferring it to your Upgrade Card, you may lose certain dispute rights. Balance transfers do not qualify for rewards upon repayment.

2 Earn unlimited 1.5% cash back on all purchases after you pay them back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Certain limitations apply. Refer to your Cardholder Agreement for more information.

3 To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

4 The Upgrade Card cannot be used at an ATM.

5 Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction 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 is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

6 With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. After a qualifying purchase has settled, your cash back will typically be applied to your balance within 90 days. Cash back rewards will be applied to your balance and will not otherwise reduce the amount of your regular monthly payments. If you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Upgrade Shopping cash back, we reserve the right to remove any related cash back amount from your Upgrade Card or withhold future cash back to cover any such amount. To opt-out of the Upgrade Shopping program, please email upgrade customer service at support@upgrade.com. Please note that an opt out is permanent and will apply to any Upgrade Shopping account(s) you have at the time of such opt out and any new account you may open in the future through Upgrade that is eligible for Upgrade Shopping (i.e., such new account will not be enrolled in the Upgrade Shopping program and you will not be able to accrue any rewards under this program on any of your existing or future accounts through Upgrade). For full cash back shopping terms, please review the Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy.

†Not all traditional credit cards charge fees. The 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34.01. The Upgrade Card charges none of these fees.

If there are changes to your credit score or other risk factors, 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 transactions. The interest rate on your existing balances will never change. ACH transactions will be subject to a minimum amount, which is determined based on your total line availability. There is no minimum transaction amount when you use the Upgrade Card. For more information, please refer to the applicable Personal Credit Line Agreement.

Copyright 2023 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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