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Upgrade Cards

Triple Cash Rewards

3% Cash back

on home, auto and health purchases1
    No annual fee
    Credit lines from $500 to $25,0002
See if you have an offer with no impact to your credit score

Get unlimited cash back

3% cash back on these qualifying categories1


Hardware, Home supply, Landscaping Services, Heating, Plumbing, A/C…

Merchant examples:
Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.


Automotive parts, Car dealers, Car washes, Tires, Towing Services…

Merchant examples:
Tractor Supply Co, Discount Tire, Firestone,, Mavis Tire, and more.


Health and Beauty Spas, Gym memberships, Exercise equipments…

Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods,, and more.

You´re in control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded with 3% cash back1

Lower cost

Set payoffs bring your balance down faster so you can pay less interest

And, no annual or late fees


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 accepted3

Make monthly payments

Opt in to AutoPay for simple, automated payments

Get rewarded

Earn up to 3% unlimited cash back everyday on Home, Health and Auto purchases when you pay them back1

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

Cash back

Use your Upgrade Card to get up to 10% cash back on from your favorite brands5

From Our Customers

Upgrade on the go

Manage your account with the app

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Upgrade Card FAQs

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