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Welcome to your new LendingTree Win Card

  • 2% Cash Back on every purchase when you pay them back and you log into your LendingTree account each month1
  • Your available credit limit may increase when you improve your credit score by 20+ points and make six on time monthly payments2
  • Use your Win Card anywhere that accepts Visa®3
  • No annual fee and no late fees
Activate your Win Card Today

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

1 To accrue 2% cash back for purchases in a statement cycle, you need to have logged in to your LendingTree account at www.LendingTree.com or via the LendingTree app at least once in the 30 calendar days prior to the first day of that statement cycle. To accrue 2% cash back for purchases in a statement cycle, you must also have your LendingTree Win Card enrolled in the optional Autopay service at the close of the prior statement cycle. With Autopay, your payments will be automatically deducted from your bank account. If you do not meet these minimum requirements, you will accrue 1% cash back on eligible purchases when you pay them back. There is no maximum cash back amount you can earn. Cash back rewards are accrued after you pay back eligible purchases. Your accrued cash back may be redeemed and (i) applied to your balance or (ii) if you do not have balance and at your election, deposited into your bank account on file. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Cash back rewards associated with the Win Card, when applicable, are provided by Upgrade, Inc. Cash back rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn cash back rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

2 Your credit limit may be increased or decreased at any time based on a monthly review of your individual credit profile, payment history, and other factors. To receive a credit limit increase, you must meet applicable credit requirements. We expect that most customers who make at least six on-time monthly payments, increase their VantageScore 3.0 credit score by at least 20 points compared to their score at the time of application, and maintain all their accounts through Upgrade in good standing will be eligible for a credit limit increase. VantageScore® is a popular credit score model developed by the major credit bureaus: Equifax, Experian and TransUnion. VantageScore determines your score based on factors like payment history and credit usage. Not all lenders use VantageScore. Credit limit increases are not guaranteed. Eligibility requirements for a credit limit increase may change without notice. For more information, please refer to your Personal Credit Line Agreement.

3 The LendingTree Win Card cannot be used at an ATM.

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All rights reserved.

Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. The LendingTree Win Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is the servicer of the Win Card with Personal Credit Line.

Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.

Upgrade is a financial technology company, not a bank.

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