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UPGRADE TRIPLE CASH REWARDS


UNLIMITED CASH BACK ON PAYMENTS

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

 * $200 bonus when you open a Rewards Checking account and make 3 debit card
   transactions
   
   2

 * Credit lines from $500 to $25,000
   
   3

 * No Fees

Get StartedSee Bitcoin Rewards Card


AFFORDABLE CREDIT LINE

Upgrade Card

BORROW UP TO $50,000

Personal Loans

NO-FEE CHECKING WITH CASH BACK

Rewards Checking

1,000,000+CUSTOMERS

$15 Billion +BORROWED

TRUSTPILOT RATING


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

More Upgrade Reviews

Upgrade Card


UPGRADE BITCOIN REWARDS

 * 1.5% back in bitcoin when you make payments
   
   4

 * Credit lines from $500 to $25,000
   
   3

 * Affordable monthly payments with no annual fee

 * Use wherever Visa® is accepted with safe and fast contactless card technology
   
   5

Get Started

Upgrade Card


UPGRADE BITCOIN REWARDS

 * 1.5% back in bitcoin when you make payments
   
   4

 * Credit lines from $500 to $25,000
   
   3

 * Affordable monthly payments with no annual fee

 * Use wherever Visa® is accepted with safe and fast contactless card technology
   
   5

Get Started

Personal Loans


ACHIEVE MORE WITH ONE-DAY FUNDING†

 * Get the funds you need – sent directly to your bank account - within 1
   business day of approval, so life won't slow you down

 * Fixed rates and predictable payments

 * Pay off your loan at any time, with no prepayment penalty

Learn more about Personal Loans

Personal Loans


ACHIEVE MORE WITH ONE-DAY FUNDING†

 * Get the funds you need – sent directly to your bank account - within 1
   business day of approval, so life won't slow you down

 * Fixed rates and predictable payments

 * Pay off your loan at any time, with no prepayment penalty

Learn more about Personal Loans


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***

Learn more about Rewards Checking

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***

Learn more about Rewards Checking


MANAGE YOUR UPGRADE ACCOUNT ON THE GO




NEED HELP?

Any questions? We're here to help!

Ask Us Anything
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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 when 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. For more information on merchant categories,
please click here. Cash back rewards applied to your balance will not satisfy or
reduce your regular monthly payments. 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. Rewards associated with the Upgrade Card, when applicable,
are provided by Upgrade, Inc.

2 To qualify for the $200 welcome bonus, you must open and fund a new Upgrade
Rewards Checking account and make 3 debit card transactions within 60 days of
your Upgrade Card account opening. The bonus credit will be posted to your
Upgrade Card as a rewards credit within 1-2 billing periods following the third
debit transaction on your Rewards Checking account. Your Upgrade Card must be in
good standing to receive a bonus.

3 Credit Lines opened through Upgrade feature APRs of 8.99% - 29.99% and line
amounts ranging $500 - $50,000. 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 draw 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.

4 Earn unlimited 1.5% back in bitcoin rewards when you make payments on your
purchases. Payments on non-purchase transactions, such as sending funds
electronically to your bank account, are not eligible to earn rewards. Your
bitcoin will be purchased within 1-2 statement periods from the date your
payment is received. The value of the bitcoin purchase will be based on the
reference rate at the time of the bitcoin purchase. Your bitcoin cannot be
transferred to a separate wallet. Sales of bitcoin are subject to a 1.5%
transaction fee which will be deducted from your sale proceeds. Sale proceeds
are redeemable only in the form of statement credit. Additional limitations
apply. Please refer to the Program Terms and Conditions and your Cardholder
Agreement for more information.
Bitcoin services and accounts provided by NYDIG. See NYDIG Terms. NYDIG does not
support bitcoin services and accounts in all states. Rewards associated with the
Upgrade Card, when applicable, are provided by Upgrade.

5 The Upgrade Card cannot be used at an ATM.

* 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 have (i) an open Rewards Checking account
and (ii) either maintained an average daily balance in their account of at least
$2,500 in the prior calendar month or made direct deposits into their account
totaling at least $1,000 during the prior calendar month. As a courtesy to new
customers, Upgrade will provide third-party ATM fee rebates for up to the first
2 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. Additional terms 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 APRs of 5.94%-35.97%. All personal
loans have a 2.9% to 8% 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 17.98% APR (which includes a
14.32% 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
$343.33. Over the life of the loan, your payments would total $12,359.97. 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.

Information about our state licenses can be found here.

Copyright 2022 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. The Upgrade Card
is 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.
Rewards Checking services 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.





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