Upgrade - Boost Money

Upgrade, Inc.

About this app

Boost Money™ is an all-in-one app designed to help you build credit with responsible use of the card, grow savings, and get access to cash to help bridge the gap between paydays.

Boost Money™ is provided through Upgrade, Inc. Upgrade is a financial technology company, not a bank.

• Get interest-free BoostCash™ advances up to $500¹ - Bridge the gap between paydays. We'll automatically align your repayment due date with your next expected paycheck¹
• Help build credit when you use your secured card responsibly.³ Spend up to your available balance and we'll report on-time payments to the three major credit bureaus to help you build credit over time.³
• Earn an industry-leading APY - No minimum balance to earn 10.00% APY on savings balances up to $1,000 with a Premium subscription, and 3.05% APY on balances over $1,000²
• Get identity, retail, and travel protections with a Premium subscription

Share feedback at [e-mail]

¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.

² For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.

³ A Boost Money™ Card is automatically sent when you fund, receive money into, or switch direct deposit to your Spend account. You can also request a card anytime. Be sure to have funds in your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Credit score improvement is not guaranteed. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.

All loans, Personal Credit Lines, and checking and savings accounts, and Boost Money™ products are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).

Ratings and reviews

I just can't even get this app to connect to my bank account! I've cleared my cache on any and every app I could think of that could be affecting my connection. Im getting a connection error! I even logged into Plaid to make sure there wasn't any weirdness going on to disrupt the connection but there doesn't seem to be any reasonable explanation for it not to work. you know what? never mind! you could use a little manners and let me know instead of saying it's my connection

awful app terrible experience. Everything started off okay. Every boost that I received, I paid it back. The one time it didn't process due to their technical issue not mine i reloaded the cardso they can receive the funds and that's where everything wentwrong.It was showing multiple accounts. When I only had one account, it wasn't allowing me to choose the account i wanted to use and there's nobody that can help you. This app is trash, and I gave it a really good shot before I did this review

do not use. they promise 500 dollar limit or up to 500 dollar limit, which reels you in like a fish on a hook bc you need the help. but they only offer an introductory limit of 50 dollars and require ur social security number, banking information, and all other personal info. they fail to deliver on the high limit amount. and is a foreign company so beware.

What’s new

We're constantly improving our app and working on the next exciting features!