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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.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†


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

How it Works


Get your Upgrade Card

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


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


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.

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

Not for payments. Payment address can be found here.

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