www.upgrade.com Open in urlscan Pro
2600:141b:9000::b833:9542  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Skip to content
 * Sign In

Menu
Close
 * Personal Loans
 * Upgrade Cards
 * OneCard
 * Savings
 * Checking
 * Credit Health
 * Help


TRIPLE CASH REWARDS CARD


GET REWARDED WITH NO ANNUAL FEE

 * Check if you're pre-approved in minutes with no impact to your credit score

 * 3% cash back on Home, Auto and Health Categories. 1% cash back on everything
   else
   
   1

Get Started
Learn More


Borrow up to $50,000


PERSONAL LOANS

Affordable credit lines


SEE ALL UPGRADE CARDS

no-fee checking with cash back


REWARDS CHECKING

2 Million
Customers



$21 Billion
Borrowed



Trustpilot


REWARDS CHECKING


NO-FEE CHECKING ACCOUNT WITH CASH BACK

 * Earn up to 2% cash back on common everyday expenses**
 * No fees, really*
 * Lower rates on new loans and cards through Upgrade***

Open account




REFINANCE CREDIT CARDS


DEBT CONSOLIDATION


HOME IMPROVEMENT


MAJOR PURCHASES


PERSONAL LOANS


ACHIEVE MORE WITH FAST FUNDING†

 * Get the funds you need – sent directly to your bank account – within a day of
   clearing verifications, so life won't slow you down
 * Fixed rates and predictable payments
 * Pay off your loan at any time, with no prepayment penalty

Check Your Rate




UPGRADE CARD


UPGRADE ONECARD

 * Get 3% cash back on everyday purchases, 2% on everything else2
 * You control how you pay for your purchases: Pay Now with no interest, or Pay
   Later3
 * Extra Spending Power when you have Rewards Checking through Upgrade4
 * No annual fee

Get Started



unlimited 1.5% cash back


CASH REWARDS

unlimited 3% cash back


TRIPLE CASH REWARDS

unlimited 1.5% back in bitcoin


UPGRADE BITCOIN REWARDS

‍


SEE ALL UPGRADE CARDS

FROM OUR CUSTOMERS

IT IS GREAT WORKING WITH UPGRADE. THEY SENT THE MONEY RIGHT AWAY TO MY BANK
ACCOUNT AND I CAN START PAYING OFF MY CREDIT CARDS. THANKS UPGRADE FOR YOUR
HELP. UPGRADE IS GREAT!

- Jose, Refinance Credit Cards
See more Reviews


MANAGE YOUR UPGRADE ACCOUNT ON THE GO

We’re here to help!





NEED HELP?

Email us at

SUPPORT@UPGRADE.COM

Or call us at

(844) 319-3909

MONDAY - FRIDAY, 5AM - 7PM PT

SATURDAY - SUNDAY, 6AM - 5PM PT

 * Products
   * Personal Loans
   * Upgrade Cards
   * Upgrade OneCard
   * Premier Savings
   * Rewards Checking
   * Auto Refinance
   * Home Improvement
   * Credit Health
 * Company
   * About Us
   * Careers
   * Press Room
   * Reviews
 * Resources
   * Credit Health Insights
   * Help Center
   * Security
   * Accessibility
 * Legal
   * Terms of Use
   * Privacy
   * Do Not Sell My Personal Information

275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Not for payments. Payment
address can be found here.

Looking to Invest? Contact us at
moc.edargpunull@rotsevninull

For other inquiries, contact us at
moc.edargpunull@tcatnocnull

 * 
 * 
 * 
 * 

1 Cash back rewards are earned after you pay eligible purchases back. Your cash
back will typically be applied to your balance after your next scheduled monthly
payment. Purchases in Home, Auto, and Health categories earn 3% cash back when
you pay them back; all other purchases earn 1% with no maximum. Merchants are
assigned a merchant category code (MCC) based on the kinds of products and
services they primarily sell. We group similar MCCs into categories for purposes
of making rewards available to you, but we do not assign MCCs. Merchants set
their own MCC, therefore purchases may not fall into the category where you
might expect them to appear. See merchant categories for more information. 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 payments on non-purchase
transactions, such as sending funds electronically to your bank account, are not
eligible to earn rewards. Some limitations apply. Please refer to your
Cardholder Agreement for more information.

2 Cash back rewards are earned after you pay eligible purchases back. Your cash
back will typically be applied to your OneCard balance after your next scheduled
monthly payment. To earn 3% or 2% cash back, you must open a Rewards Checking
account through Upgrade and, in each statement cycle for your Rewards Checking
account thereafter, maintain a qualifying active account as described here. If
you meet that activity threshold, you will earn 3% cash back on common everyday
OneCard purchases at convenience stores, drugstores, restaurants and
bars—including deliveries—and gas stations, as well as recurring payments on
utilities and monthly subscriptions including phone, cable, TV and other
streaming services; you will earn 2% cash back on all other OneCard purchases.
3% cash back is limited to $500 in rewards per calendar year; after $500, you
will earn 2% cash back. If you do not meet the Rewards Checking activity
threshold, you will earn 1.5% cash back on all purchases. Rewards associated
with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards
are a gratuity and not your property until redeemed. Cash back rewards will be
applied to your balance but will not otherwise reduce the amount of your regular
monthly payments. Eligibility for 3% “everyday” cash back is determined by the
merchant category code (MCC), which merchants choose based on the kinds of
products and services they primarily sell. For more information on the merchant
codes for “everyday” cash back, please click here. Some limitations apply.
Please refer to your Cardholder Agreement for more information.

3 Pay Now is a feature of OneCard that allows you to designate specific
purchases to be automatically paid off the day after purchases settle. When you
authorize us to activate Pay Now, we’ll ask you to tell us your preferences as
to which purchases you want to be designated as Pay Now and which as Pay Later.
Each purchase will be processed as a credit transaction, but while you will not
be charged interest on any purchases that you pay off using Pay Now, purchases
designated as Pay Later will accrue interest at the fixed APR shown on your
Truth-in-Lending disclosure. Every time you make a OneCard purchase, we’ll
designate the purchase as Pay Now or Pay Later based on the preferences you gave
us. Even after you make a purchase, you may change the designation of that
purchase from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time
the day after your purchase settles. Every day at 12pm Pacific Time, we will
initiate one-time ACH debits to your bank account to pay off the prior day’s
settled purchases that were designated as Pay Now. You may cancel a Pay Now
payment up until 12pm Pacific Time by simply changing that day’s Pay Now
purchases to Pay Later through your Upgrade dashboard or mobile app. If a Pay
Now ACH debit is returned by your bank, we will switch the underlying purchases
to Pay Later, and those purchases will accrue interest as of the original
purchase date. Designating a purchase as Pay Later gives you the flexibility to
pay balances back over time with a fixed payment period.

4 You may be granted Extra Spending Power if you designate a Rewards Checking
Account to be the source of payments for the Pay Now feature of your Upgrade
OneCard, maintain a positive available balance in the designated Rewards
Checking account, and maintain your Upgrade OneCard account in good standing. If
you meet these conditions, the amount of your Extra Spending Power is generally
determined by your Rewards Checking account balance, with a larger deposit
balance generally correlating to a higher Extra Spending Power, up to a maximum
of $5,000. The Extra Spending Power supplements your Credit Limit to increase
the amount of your Available to Spend for purchases. We reserve the right to
raise or lower the Extra Spending Power maximum from time to time in our sole
discretion subject to compliance with applicable law. If you qualify for Extra
Spending Power and you make a purchase that causes your Upgrade OneCard balance
to exceed your Credit Limit, the amount of the purchase that exceeds your Credit
Limit will be processed as a Pay Now purchase, even if the total amount of the
purchase would otherwise be processed as a Pay Later purchase based on your Pay
Now settings

* There are no account fees, overdraft fees, annual fees, or transfer fees
associated with Rewards Checking accounts. Rewards Checking charges no ATM fees,
but third-party institutions may charge you a fee if you use their ATM/network
or if you use your Upgrade VISA® Debit Card internationally. Upgrade will rebate
any ATM fee charged by another institution for debit card withdrawals in the
United States, up to five times per calendar month. To be eligible to receive
third-party ATM fee rebates in any calendar month for eligible ATM withdrawals
made during that month, customers must maintain a qualifying active Rewards
Checking account as described here in the prior calendar month. As a courtesy to
new customers, Upgrade will provide third-party ATM fee rebates for up to the
first two calendar months after account opening regardless of account activity.
Some limitations apply. Please refer to the applicable Cross River Bank Deposit
Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures for
more information.

** Rewards Checking customers earn 2% cash back on common everyday expenses at
convenience stores, drugstores, restaurants and bars - including deliveries -
and gas stations, as well as recurring payments on utilities and monthly
subscriptions including phone, cable, TV and other streaming services, and 1%
cash back on all other debit card charges. 2% cash back is limited to $500 in
rewards per calendar year; after $500, customers earn 1% cash back on all
eligible debit card charges for the remainder of the year. Some limitations
apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and
Disclosures for more information.

*** The interest rate on a new loan or credit line through Upgrade may be up to
20% lower than would otherwise be applicable without this discount, as long as
you have an active Rewards Checking Account as described here. Other terms and
conditions may apply. Please refer to the applicable Truth-in-Lending Disclosure
and Loan Agreement.

† Accept your loan offer and your funds will be sent to your bank or designated
account within one (1) business day of clearing necessary verifications.
Availability of the funds is dependent on how quickly your bank processes the
transaction. From the time of approval, funds sent directly to you should be
available within one (1) business day. Funds sent directly to pay off your
creditors may take up to 2 weeks to clear, depending on the creditor.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of
8.24%-35.97%. All personal loans have a 1.85% to 8.99% origination fee, which is
deducted from the loan proceeds. Lowest rates require Autopay and paying off a
portion of existing debt directly. Loans feature repayment terms of 24 to 84
months. For example, if you receive a $10,000 loan with a 36-month term and a
17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time
origination fee), you would receive $9,500 in your account and would have a
required monthly payment of $341.48. Over the life of the loan, your payments
would total $12,293.46. The APR on your loan may be higher or lower and your
loan offers may not have multiple term lengths available. Actual rate depends on
credit score, credit usage history, loan term, and other factors. Late payments
or subsequent charges and fees may increase the cost of your fixed rate loan.
There is no fee or penalty for repaying a loan early.

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in
the US and other countries. App Store is a service mark of Apple Inc. Google,
Google Pay and the Google logo are trademarks of Google Inc. VISA is a
registered trademark of Visa International Service Association and used under
license.

Information about our state licenses can be found here.

Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners.
Personal Credit Lines are issued by Cross River Bank, a New Jersey State
Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All Upgrade Cards
are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A.
Inc. Get more info. Upgrade is a financial technology company, not a bank.
Checking and savings accounts provided by Cross River Bank, Member FDIC. Upgrade
VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license
from Visa U.S.A. Inc.





Continue without Accepting


DO NOT SELL OR SHARE MY PERSONAL INFORMATION

Upgrade does not sell your personal information. When you visit our website, we
store cookies on your browser to collect information. The information collected
might relate to you, your preferences or your device, and is mostly used to make
the site work as you expect it to and to provide a more personalized web
experience. However, you can choose not to allow certain types of cookies, which
may impact your experience of the site and the services we are able to offer.
Click on the different category headings to find out more and change our default
settings according to your preference. You cannot opt-out of our First Party
Strictly Necessary Cookies as they are deployed in order to ensure the proper
functioning of our website (such as prompting the cookie banner and remembering
your settings, to log into your account, to redirect you when you log out,
etc.). For more information about the First and Third Party Cookies used please
follow this link.
More information
Allow All


MANAGE CONSENT PREFERENCES

STRICTLY NECESSARY COOKIES

Always Active

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms. You can set your browser to block
or alert you about these cookies, but some parts of the site will not then work.
These cookies do not store any personally identifiable information.

PERFORMANCE COOKIES

Performance Cookies

These cookies allow us to count visits and traffic sources so we can measure and
improve the performance of our site. They help us to know which pages are the
most and least popular and see how visitors move around the site. All
information these cookies collect is aggregated and therefore anonymous. If you
do not allow these cookies we will not know when you have visited our site, and
will not be able to monitor its performance.

TARGETING COOKIES

Targeting Cookies

These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant adverts on other sites. They do not store directly personal
information, but are based on uniquely identifying your browser and internet
device. If you do not allow these cookies, you will experience less targeted
advertising.

Back Button


BACK



Search Icon
Filter Icon

Clear
checkbox label label
Apply Cancel
Consent Leg.Interest
checkbox label label
checkbox label label
checkbox label label

Confirm My Choices