www.upgrade.com Open in urlscan Pro
2a02:26f0:11a::5f65:1720  Public Scan

Form analysis
0 forms found in the DOM

Text Content

Skip to content
 * Sign In

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


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

$18 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 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

Learn more about Personal Loans

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

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
 * Products
   * Personal Loans
   * Upgrade Cards
   * Upgrade OneCard
   * Rewards Checking
   * Auto Refinance
   * Credit Health
 * Company
   * About Us
   * Careers
   * Press Room
   * Reviews
 * Resources
   * Credit Health Insights
   * Help Center
   * Security
   * Accessibility
 * Legal
   * Privacy
   * Terms of Use

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 To qualify for the $200 welcome bonus, you must open and fund a new Rewards
Checking account and make 3 debit card transactions within 60 days of your
Upgrade Card account opening. The bonus will be applied as a one-time credit to
your account and will not otherwise reduce the amount of your regular monthly
payments. The bonus credit will be posted to your Upgrade Card as a rewards
credit within 1-2 billing periods following the third debit card 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 Annual Percentage Rates (APRs) of
14.99% - 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. The Upgrade Card is unique in that it allows you to obtain a series of
closed-end loans which you may access through transactions such as card
purchases up to the approved line amount. As you repay your balance, additional
credit may become available to you up to the approved line amount subject to
meeting our credit requirements. The Upgrade Card will not replenish as it would
in an open-end credit arrangement.

4 Earn unlimited 1.5% back in bitcoin rewards when you make payments on your
purchases. Balance transfers and 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 will vary depending on
the time it is purchased. 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 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
7.46%-35.97%. All personal loans have a 1.85% 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
17.59% 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.

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. Rewards Checking
accounts provided by Cross River Bank, member FDIC. 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. 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.