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Upgrade Card

  • What is the Upgrade Card?
  • What should I do if my Upgrade Card is expiring soon?
  • Upgrade Triple Cash Back Rewards through Credit Karma
  • LendingTree Win Card Rewards Details
  • Can I use my Upgrade Card with my phone or device?
  • How do I add my Upgrade Card to Apple Pay or Google Pay?
  • How do I use my contactless Upgrade Card?
  • How do I transfer an existing balance to my Upgrade Card?
  • How long will it take to receive my Upgrade Card?
  • Are there any foreign transaction fees when I use my Upgrade Card internationally?
  • How do I dispute a purchase or report a transaction I don’t recognize on my Upgrade Card?
  • Can I use my Upgrade Card at an ATM?
  • How do I activate my card?
  • How do I report my Upgrade Card lost or stolen?
  • Is there a minimum monthly payment for my Upgrade Card?
  • How do I make my first draw?
  • What is a draw?
  • What rates are offered on the Upgrade Card?
  • Are there any fees to use the Upgrade Card?
  • How are the rates fixed on an Upgrade Card?
  • Why choose an Upgrade Card instead of a home equity line of credit (HELOC)?
  • Why use the Upgrade Card instead of a credit card?
  • Upgrade Triple Cash Back Rewards Details
  • Upgrade Elite Cash Rewards Card Details
  • Upgrade Life Rewards Card Details
  • How much can I borrow from an Upgrade Card?
  • What’s the difference between the Upgrade Card and a personal loan?
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  • Terms of Use
  • Upgrade Reviews
Contact@upgrade.com275 Battery Street, 23rd Floor, San Francisco, CA 94111, USACopyright 2017 Upgrade, Inc. All rights reserved.
Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.
Personal Credit Lines are made by Cross River Bank, Member FDIC. The Upgrade Card associated with a Personal Credit Line is issued by Sutton Bank, Member FDIC, or Cross River Bank, Member FDIC, pursuant to licenses from Visa U.S.A. Inc. Bitcoin services and accounts are provided by NYDIG. NYDIG is licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. See NYDIG Terms.
Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs.
Checking and savings accounts are provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Upgrade is a financial technology company, not a bank