Upgrade

Upgrade, Inc.

About this app

Get safe and easy mobile banking all in one place!

● Track your Rewards – Earn cash back rewards on your Upgrade Card and Upgrade Debit Card purchases.
● Manage your Upgrade accounts online – Make payments and check your balance
● Monitor your credit score - Get notified of any change in your credit report or score

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1: Rewards Checking Plus customers who set up monthly direct deposits (https://www.upgrade.com/deposits/active-account/) of $1,000 or more 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 purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

2: Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

3: Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. See website for full Upgrade Cash Back Rewards Program details. See website for full Upgrade Cash Back Rewards Program details.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% 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.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners (https://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 (http://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

Could use some performance upgrades, each page loads very slowly. Also, when transferring between accounts, especially internal accounts, it would help to see the available balance next to each account in the drop down. edit: they actually show available balance now, great!

Great experience when you have been down for so long. Upgrade is a pick me up. It normalizes payments in a way you can afford, but keep up on your bills it's on you to take advantage and get back track. They don't take you if your not halfway there, so if you made it this far, pat yourself on the back. Keep going you are doing the right thing just keep everything with upgrade. 💯 percent real review for those that's trying to get your credit straight, you came to the right place now sit down

2% cash back debit is great. I'd give it 5 stars if their app was a little more functional and if their bill pay feature wasn't so limited. Been an Upgrade customer for about a year now and it's been awesome. I've had no issues and you can't beat the saving rate or the debit cash back. Why would you ever pay a bank for them to use YOUR money? Upgrade is the answer.

What’s new

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