Upgrade

Upgrade, Inc.

About this app

Get safe and easy mobile banking all in one place! Open a high-yield savings account, check balances, view available credit, pay bills, track cash back and more.

Upgrade is a financial technology company, not a bank.

● Track Rewards – Earn cash back rewards on credit card purchases¹

● Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement through Upgrade accounts. Make payments and check your balance.

● Monitor credit score, get notified of changes, and use our credit score simulator to see how different actions may impact your score.

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Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment.Subject to approval. For more information visit https://www.upgrade.com/personal-loans/.

¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99% and a 1.85%-9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For certain discounts, collateral may be required. Repayment terms from 24 to 84 months. For example, if you receive a $10,000 unsecured 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 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 and other terms of your loan may vary and you may not be presented with multiple offers. If offered, your loan terms, including your rate, will depend on credit score, credit usage history, loan amount, and other factors. Late payments or other fees, as noted in your Borrower Agreement, may increase the cost of your fixed rate loan. Certain loan offers may not be available in all states.

All loans, credit cards, Personal Credit Lines, and checking and savings accounts 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://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).

Ratings and reviews

Don't waste your time. Your never going to pay it off. That's why they give high limits to entice you to get the card. if you actually look at a statement its set up like affirm not a credit card. i pay double my minimum payment and rarely use the card and couldn't figure out why my balance wasnt going down that much. you need to use the pay now option or your screwed. But if I had the money to pay the next day I would just use my bank card. worthless card

I had signed up and transferred my direct deposit to Upgrade to able to access the Boost money. I was given the option to get an advance of 50 dollars but if I purchased the premium membership they would give me 100 dollars. I did this, and did the transfer but realized that the transfer didn't happen. I contacted customer service and was told that actually they decided I couldn't get any boost money. After three weeks was denied the refund request for subscription. Very misleading!

Don't do it. Card seemed good at first in a pinch to pay off some debt. Once you start making payments, they will lower your credit limit time after time. I have auto pay set up and never missed a payment. I try to make little small purchases while I'm paying it off so I don't get hit for no activity. Furthermore it's not really a credit card. "The limit is not reported to credit bureau".... so they say

What’s new

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