Logo
EARN UP TO 3% CASH BACK

Upgrade Cards

The credit card that pays you back. Earn cash back on all purchases, choose flexible payment options, and build your credit with every swipe.

Check if you pre-qualify with no impact to your credit score

Why Choose an Upgrade Card?

Up to 3% Cash Back

Earn unlimited cash back on eligible purchases

Flexible Payments

Choose to pay in full or split into installments

Build Credit

Improve your credit score with responsible use

Secure & Safe

$0 fraud liability and advanced security features

Choose Your Card

Upgrade OneCard

  • Up to 3% unlimited cash back on all purchases
  • No annual fee
  • Choose your payment plan for each purchase
  • Credit line from $500 to $25,000
  • APR from 13.99% to 28.99%

Upgrade Bitcoin Rewards Card

  • Earn up to 1.5% back in Bitcoin
  • No annual fee
  • Flexible payment options
  • Access to crypto investment features
  • Build credit while earning crypto

How Your Upgrade Card Works

1

Apply Online

Complete a simple application. Check if you pre-qualify without affecting your credit score.

2

Get Approved

Receive your credit decision quickly and get your card in the mail.

3

Start Earning

Use your card anywhere and start earning cash back on all eligible purchases.

Flexible Payment Options

Choose how you want to pay for each purchase

Pay in Full

Pay your balance in full each month to avoid interest charges, just like a traditional credit card.

Monthly Installments

Convert purchases to fixed monthly payments with a set APR and term. Budget with confidence.

Ready for a smarter credit card?

Apply now and start earning cash back on every purchase.