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Upgrade Credit Card Review

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Reviews 24,184

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Katy Ward
Katy Ward
May. 03, 20214 min read

Upgrade Triple Cash Rewards Visa® summary

Online lending platform Upgrade, founded in 2017, offers the Upgrade Card, which acts as a hybrid between a credit card and a personal loan. It allows borrowers to make charges as they would on a credit card while making monthly repayments at a fixed amount, just like with a personal loan. Borrowers won’t have to pay any monthly fees and will receive an APR of between 8.99% and 29.99%.

Pros

  • No monthly fees
  • Compatible with Google Pay and Apple Pay
  • Multiple reward and cashback options

Cons

  • ATM cash withdrawals not yet available
  • Does not offer 24/7 phone support
Upgrade Triple Cash Rewards Visa®at a glance
4.4

Editorial score

Fees

No fees

5.0

Eligibility (credit score)

Doesn't cover bad credit

4.0

Security

FDIC/NCUA insured and SSL/AES encrypted account

4.0

Customer service

Award winning, personalized customer service

5.0

Online experience

User friendly site and app with detailed FAQs or help center

4.0

Upgrade Triple Cash Rewards Visa® Upgrade Triple Cash Rewards Visa® Visit Upgrade

Overview

The Upgrade Card is designed to combine the flexibility of a credit card with the stability of a personal loan. Although the lender uses the umbrella term of Upgrade Card, there are 4 card types available: Cash Rewards, Triple Cash Rewards, Bitcoin Rewards, and Upgrade Card. The most suitable card for you will depend on the type of rewards you’d like to earn, as well as your credit profile. See below for more details on rewards and cashback.

You can use your card at participating retail locations or have the funds sent directly to your bank account. Once you begin making transactions, you can pay down balances in equal amounts at a fixed rate each month.

Suitable for?

The fixed monthly repayments and multiple card options could make Upgrade a good choice for those on a strict budget who want a tailored financial solution. The Upgrade Card is specially geared towards borrowers seeking to improve their credit scores.

With the Bitcoin Rewards card offering 1.5% back in Bitcoin on payments, this could be a strong match for those interested in cutting-edge financial technologies. 

The Cash Rewards card, offering 1.5% rewards on all purchases, may work for borrowers who spread their spending. Likewise, the Triple Cash Rewards Card could suit those who purchase more in the home, auto, and health categories, thanks to unlimited 3% cashback in these areas.

The recent launch of an Upgrade app could also make the platform attractive to digitally savvy customers who prefer to manage their finances on the go.

Interest Rates & Fees 

All 4 card types under the Upgrade Card umbrella are fee-free, which is one of the product’s most attractive features.

It’s also worth noting that you’ll be subject to a 1.5% transaction fee on the sale of Bitcoin via the Bitcoin Rewards card, which will be deducted from the proceeds of your sale.

Rewards & Cashback

The Upgrade Card has 4 versions, with 3 of these offering rewards.

  • Cash Rewards: unlimited 1.5% cashback on payments
  • Triple Cash Rewards: unlimited 3% cashback on payments from the home, auto, and health categories and 1% on other purchases
  • Bitcoin Rewards: unlimited 1.5% back in Bitcoin on payments

The above card types are available to those with an average to excellent credit score. If your score is lower, you could qualify for the Upgrade Card, but this doesn’t offer any rewards.

The Application Process

To start the application process, you’ll need to enter information such as your name, address, Social Security number, and income before creating an account with Upgrade.

Based on this information, the lender will determine the amount of credit available to you. While Upgrade states its lines of credit are typically below $25,000, it is possible to borrow up to $50,000.

Upgrade will perform a soft search on your credit history to determine how much you are eligible to borrow, but this won't affect your future credit score. If accepted, your APR will depend on factors such as your credit profile, credit usage, and the amount you have requested.

Once your application has been approved, you should receive your card within 7 to 10 business days.

Help & Support

You can contact Upgrade via phone, email, or social media. Its phone support hours are 6 am to 6 pm (PT), Monday to Friday, and 6 am to 5 pm (PT) on Saturday and Sunday. 

Security

If you apply for one of its products, Upgrade will request your personal and banking details and will then verify this information to check your credit score. However, it will not share your personal details with any third party other than its partner banks. Full details of Upgrade’s security policy are available online.

Upgrade’s cloud infrastructure, which is provided by a third party, is encrypted to protect customer data and the lender’s services are SOC1, SOC2, and SOC3 compliant—a standard of data security set by the American Institute of CPAs.

In addition to using a firewall, intrusion detection systems, malware detection systems, and data loss prevention systems to protect against fraud, Upgrade carries out vulnerability scans and ensures none of its employees have access to your password. Furthermore, all of Upgrade’s customer-facing services carry an SSL (Secure Socket Layer) certificate.

FAQ

Can I use my Upgrade Card with my phone or device?

Yes, you can add your card to Apple Pay or Google Pay and pay with your card at participating retailers.

Can I use my Upgrade card at an ATM?

No, this feature is not currently available.

How do I make my first draw?

Once you log in to your account, you can request a specific draw amount from the dashboard.

Does Upgrade have an app?

Yes, it recently launched the first version of its mobile app, which enables you to view and update your account on the go.

Conclusion

If you’re looking to avoid hefty fees on your borrowing, taking out a line of credit with Upgrade could prove an attractive option. As well as offering the security of fixed monthly repayments, you could qualify for generous rewards. The company’s APRs range from 8.99% to 29.99%, which could make it a more expensive option at the latter end of the spectrum. For many customers, the biggest challenge may be understanding the lender’s hybrid model. However, once you get to grips with it, the Upgrade account is extremely easy to manage.

Upgrade Triple Cash Rewards Visa® Upgrade Triple Cash Rewards Visa® Visit Upgrade

Methodology

This review was compiled using information on Upgrade’s website and by contacting its customer service team via email.

Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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Upgrade Triple Cash Rewards Visa®
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Trustpilot reviews

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Upgrade Triple Cash Rewards Visa®
ExcellentReviews 24,184
on
Excellent
82%
Great
12%
Average
3%
Poor
1%
Bad
2%
  • author
    Thomas Branch
    21 hours ago
    Upgrade makes it easy to apply for a…

    Upgrade makes it easy to apply for a loan, safe to navigate there website, and a very uncomplicated process to get the money you need.

    ...

  • author
    Rhonda H.
    18 hours ago
    Quick

    Quick, easy, received within days. Great rate too!

    ...

  • author
    Larry Guy
    19 hours ago
    Disagreement of money earned

    There was a disagreement of money earned in 2021 According to my 2020 tax return I earned $ 56,000 in taxable income and estimated $53,000 in 2021. Upgrade claimed I earned $28,000. My teacher retirement ALONE is $2273 PER MONTH AFTER TAXES. This does not include my monthly social security or income from my part time job as a substitute teacher.

    ...

  • author
    Stanley Boone
    20 hours ago
    I would be very careful borrowing from…

    I would be very careful borrowing from Upgrade. My problem was admittedly partially my own fault, but this company’s attitude is anything but customer friendly. I paid off my loan early, and thought it was paid in full, but I kept getting notices from Upgrade to schedule more payments. I thought it was a mistake on their part, and didn’t follow through right away. My fault. When I finally got ahold of Upgrade, I was informed my payoff was $40 short, but with penalties and 4 months interest, I now owe ~$500. Their stance is that the email demand for more money should have been incentive enough for me to contact them, and they had no obligation to contact me about the $40 shortfall. Legal? Probably. Moral, ethical, customer friendly? I think not. An excuse to jack up my debt and threaten to ruin my credit if I don’t pay up? Obviously.

    ...

  • author
    GILBERT
    20 hours ago
    Upgrade has been able to help me with a…

    Upgrade has been able to help me with a few loans easy to work with the only down side is high interest

    ...

  • author
    JAMES OLDHAM
    a day ago
    I received my Upgrade virtual card and…

    I received my Upgrade virtual card and used it to buy a car . 4000 down went through immediately as advertised . I recommend Upstart as a line of credit for everyone .

    ...

  • author
    SUSAN
    a day ago
    5 Stars for Quick and Easy

    Upgrade’s online application process was very easy and funds were deposited fast. I was pleasantly surprised to receive a lower APR than estimated too. I spoke to customer service by phone after the loan was finalized and they were more than willing to move my payment dates to what works best for my income schedule. Excellent experience all around.

    ...

  • author
    MELANIE DICKENS
    a day ago
    It was a quick process

    It was a quick process, but when someone called from the office and left their name, when you phoned back, you got someone else and they made you explain the situation all over again. I would say that it has been a great experience, but would have liked more updates in the process. We didn't get the email stating we actually were approved until after we got the money deposited.

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  • author
    jim reamensnyder
    a day ago
    It is not a bitcoin reward card.

    It is not a bitcoin reward card.

    ...

  • author
    Lisa Braun
    a day ago
    Do It!

    Super fast and efficient and terrific rate!

    ...

  • author
    Ks
    a day ago
    Quick and easy

    It’s nice to have a company that has faith in their customers

    ...

  • author
    A Muegge
    a day ago
    Great Experience!

    Upgrade provided the best rate(s) and offered multiple loan plans to make the selection fit in my budget. No hassles, straight to the point, and quick decision.

    ...

  • author
    Brenda Crider
    a day ago
    Upgrade has been quick with approving…

    Upgrade has been quick with approving and setting up my account. Even with cash advances, they've been real quick to respond and make the cash advance available to me.

    ...

  • author
    scott shook
    a day ago
    Thanks for giving me a chance to pay…

    Thanks for giving me a chance to pay and consolidate my credit cards into one payment with lower interest.

    ...

  • author
    Kathleen DeOcampo
    a day ago
    Very easy process

    Very easy process. Received the funds 1-2 days. This will help to payoff my credit card debt

    ...

  • author
    Neva Miller
    a day ago
    Upgrade deserves a thumbs up!!!

    Upgrade is a very confident company. I am very appreciative that Upgrade helped me out. The process was very quick and easy with no hassles. I would highly recommend Upgrade to a friend.

    ...

  • author
    JP
    a day ago
    i love upgrade they came through for me

    i love upgrade they came through for me

    ...

  • author
    DIANE JOFFRION
    a day ago
    Very easy and quick process.

    Very easy and quick process.

    ...

  • author
    Mutahannah Broomes
    a day ago
    The best and trusted company by far

    The best and trusted company by far. Finally a company that says what they will do and does it!!!

    ...

  • author
    darreall Hildebrant
    a day ago
    Very easy and customer service…

    Very easy and customer service personnel were 👍

    ...

  • author
    chris
    a day ago
    They came thru when I needed them

    They came thru when I needed them. The application process was simple and easy

    ...

  • author
    Dorlisa Moody
    a day ago
    I love upgrade

    I love upgrade

    ...

  • author
    Dawn Inzauro
    a day ago
    Piece of cake!

    Ease of applying and quick results!

    ...

  • author
    Michael Hawkins
    a day ago
    Thank You

    Upgrade was quick, fair, and friendly

    ...

  • author
    Anthony Wilkins
    a day ago
    Great service

    Great service

    ...

  • author
    Donna
    a day ago
    I really want to thank upgrade for…

    I really want to thank upgrade for giving me a chance when no one else would. It was easy to apply. And the process was seamless.

    ...

  • author
    Daniel k
    a day ago
    Easy process

    Easy process

    ...

  • author
    R. Brown
    2 days ago
    Staff was professional

    Staff was professional, process was quick and easy.

    ...

  • author
    Judy Frederick
    2 days ago
    The process was thorough easy.

    The process was thorough easy.

    ...

  • author
    Michael Santana
    2 days ago
    Fast updating after first month..highly…

    Fast updating after first month..highly recommended

    ...

  • author
    ROLFE GORDON
    2 days ago
    Was easy to apply

    Was easy to apply. I had a question and called customer service. They were extremely helpful and solved my problem. Another time I returned their call and the customer service rep stayed on the phone with me until he could verify my uploads were sucessful.

    ...

  • author
    Tom Nichols
    2 days ago
    So far they have been great..but I need…

    So far they have been great..but I need more time to get a feel for how they work.

    ...

  • author
    Bridgette Rosiles
    2 days ago
    Upgrade is a very pleasant company to…

    Upgrade is a very pleasant company to do business with. All I done is filed out the application submitted it an within 10 hours the money was direct deposit into my account an the interest rate is not that bad either. I was offered different interest rate an payment plans an I just picked the one that best suited my needs an my payments or low. Thanks again for the hassle free loans that y’all offer on such simple repayment terms.

    ...

  • author
    Michael Nichols
    2 days ago
    Very easy to apply for a loan

    Very easy to apply for a loan! Friendly staff!!

    ...

  • author
    Kim Little
    2 days ago
    Have been totally satisfied with…

    Have been totally satisfied with everything so far.

    ...

  • author
    Linda Gee
    2 days ago
    You have been very helpful to me and…

    You have been very helpful to me and the whole process was very clear. Thank you

    ...

  • author
    Henry
    2 days ago
    Upgrade is a awesome lending company…

    Upgrade is a awesome lending company that makes borrowing money simple and stress free. I highly recommend Upgrade financial services!

    ...

  • author
    G. Anasarias
    2 days ago
    Great help!

    Customer Service were helpful during the process of my loan. Money was earlier than expected. Great job. Kudos!

    ...

  • author
    Joan
    2 days ago
    Upgrade made everything quick and easy

    Upgrade made everything quick and easy. Very happy.

    ...

  • author
    Angelica Ruiz
    2 days ago
    Great service quick turn around

    Great service quick turn around Got funded in less then 2 days 25k Line of credit

    ...

  • author
    Brenda Monroe
    2 days ago
    It was a very quick and easy process.

    It was a very quick and easy process.

    ...

  • author
    Sharon BARNES
    2 days ago
    Very good credit card on time…

    Very good credit card on time everything went threw when it was supposed to ...quickly and great I highly recommend them

    ...

  • author
    Cody S
    2 days ago
    Other loan companies should take notes…

    Other loan companies should take notes on how Upgrade operates! Extremely easy application process. Secondary verification is seamless via uploading your voided check on the website. My APR’s are very reasonable, in the 17% range. Great credit limits. My 1st card (Triple Cash Rewards) is $20k and my 2nd (Cash Rewards) is $5k. Im hoping they provide the ability to have multiple cards on the app dashboard because as of now, I have to log into each account separately. People looking at these cards need to understand how they work, ask questions! They ARE NOT revolving credit accounts, they are installment style personal lines of credit that have the ability to swipe a card to make a purchase. Each time you run the card it puts a new installment loan on your credit reports, which can hurt your score since it lowers your average age of accounts. USE IT WISELY.

    ...

  • author
    Donna Furman
    2 days ago
    Excellent for rebuilding credit

    Excellent for rebuilding credit. Easy apply. Quick reponse.

    ...

  • author
    Stevie L Graham
    2 days ago
    Excellent and fast service

    Excellent and fast service. Would definitely recommend this company to my family and friends

    ...

  • author
    SAMDAYE ALI
    2 days ago
    Service

    My experience with upgrade service was excellent I got a quick response

    ...

  • author
    Theresa Stek
    2 days ago
    Very quick response and approval

    Very quick response and approval

    ...

  • author
    mark feick
    2 days ago
    Fast Best Rates Easy to deal with

    Fast Best Rates Easy to deal with

    ...

  • author
    A. Bush
    2 days ago
    Fast, professional and excellent customer service

    Excellent customer service. Each time ( 2 or 3) times I called the phone was answered right away with a human. My loan was approved and available promptly. I am impressed.

    ...

  • author
    Katie
    2 days ago
    Great and easy!!

    Great and easy!!! It was a seamless, quick process.

    ...

  • author
    Robert Levey
    2 days ago
    Upgrade fit the bill for me it was very…

    Upgrade fit the bill for me it was very easy to use quick and it all made sense! Thank you Bob Levey

    ...

  • author
    Sue D.
    2 days ago
    Highest recommendation

    Upgrade has really made a difference on my path to financial freedom. The application process was simple and funds were sent soon after the loan was processed. I highly recommend!

    ...

  • author
    Carolyn Simmons
    2 days ago
    I applied

    I applied, and was accepted with in 24 hours. My loan was funded as stated, very pleased.

    ...

  • author
    dave
    2 days ago
    easy

    it was very easy and quick to get the loan.it was deposited next day!

    ...

  • author
    Antonio
    2 days ago
    Quick and easy

    Easy aplication process And quick funds Will definitely use again if i need

    ...

  • author
    Amorelle Henry
    2 days ago
    Great Lender

    Fast and easy application process, clear pre-approval terms, competitive rates and quick dispersal of funds once the loan was issued and signed for. It's my second loan with this lender and continue to be very pleased with the process from start to finish.

    ...

  • author
    Sandra Stepp
    2 days ago
    Excellent service

    Excellent service! Fast and more than I expected.

    ...

  • author
    GEORGE PARMER
    2 days ago
    the process was efficient and timely.

    the process was efficient and timely.

    ...

  • author
    Connie
    2 days ago
    Upgrade gave me a loan when no one else…

    Upgrade gave me a loan when no one else would. It was easy to apply and had a fast response.

    ...

  • author
    Chere Roberts-Potter
    2 days ago
    Nice service

    I first thought it was more of a credit card but it’s still a great service

    ...

  • author
    ALISON HERNANDEZ
    2 days ago
    Was a long process

    Was a long process. I had to keep emailing to ensure my application was being reviewed/handled. Made me do bank verification twice as they lost the record of the first one. Then after weeks and weeks of me asking about the progress I got an email stating I only had 3 days to comply with calling them or they would throw out my application. Customer service is poor at best.

    ...

  • author
    Daphne Selmar
    2 days ago
    Great company with fast approval!!

    Great company with fast approval!!

    ...

  • author
    Alton Walden
    2 days ago
    Easy process

    Easy process. I received my funding quickly. Very affordable monthly payments.

    ...

  • author
    Michael Tolbert
    2 days ago
    Very helpful.

    Very helpful.

    ...

  • author
    Lena Bush
    2 days ago
    the whole process of applying was very…applying is easy

    the whole process of applying was very quick ,

    ...

  • author
    Anthony English
    2 days ago
    Helped me out when I needed it

    Helped me out when I needed it. Very easy process.

    ...

  • author
    Michael OLODODO
    2 days ago
    Satisfied and Excellent!

    I’m very satisfied with application and approval process ! All take but a little time to complete!

    ...

  • author
    Tank
    2 days ago
    Great and quick service!

    Great and quick service! Great and quick service. I applied for a loan on a Thursday and it was in my account that Saturday. It came at a time of need. Thank you to the upgrade team and those who helped make it happened. I will be using this service from now on!!

    ...

  • author
    Jason Keeley
    2 days ago
    Upgrade is great

    Upgrade is great. I applied for a personal loans and was approved and my money was sent fast. Then I was approved for an upgrade card

    ...

  • author
    Elwood Howard
    2 days ago
    Great dealing with upgrade

    Great dealing with upgrade. No hassles. Needs were met

    ...

  • author
    Joshua Smith
    2 days ago
    Great fast service hassle free

    Great fast service hassle free

    ...

  • author
    Karen Kirk
    2 days ago
    Extremely impressed

    I must admit, I was skeptical in the beginning. However, I read the reviews and felt more confident about this process. All that I can say is -wow! What a system! They have held true to their words. I was able to access the funds from this card and transfer the amount that I required within 2 banking days. I am very impressed!

    ...

  • author
    Jacqueline Breeden
    2 days ago
    So far so good

    So far so good. I have no complaints. Looking forward to continuing business with Upgrade!!!

    ...

  • author
    Adrian Guerra
    2 days ago
    Credit card

    To be honest, I would never think of getting this kind of card where they can let you use their money as a line of credit. I think its an awesome feature. So far no problems at all. Interes rates are pretty decent.

    ...

  • author
    Cal Bak
    2 days ago
    Upgrade is a great resource when you…

    Upgrade is a great resource when you need a little extra for any situation. I have utilized Upgrade and the process was not tedious or a long process. Thank you

    ...

  • author
    Pam
    2 days ago
    Very pleased with Upgrade’s loan process

    I am very pleased with Upgrade and ease in applying for a consolidation loan as well as the ease in getting a good financial rate. I got an astonishingly fast consolidation loan approval in less then 24 hours and numerous credit cards were showing paid off statuses within 12 hours after the approval notification. I’m still waiting on one loan to show paid off but Upgrade assures me that the payment has been sent to them. I am very pleased with the entire process !!! THANK YOU UPGRADE !!

    ...

  • author
    Jennifer Batista
    2 days ago
    Very quick and easy

    Very quick and easy

    ...

  • author
    Randy Moles
    2 days ago
    The representative that I spoke with…

    The representative that I spoke with was very friendly and informative. The representative answered all of my questions that needed to be answered.

    ...

  • author
    Darwin Lovely
    2 days ago
    Very helpful and understanding

    Very helpful and understanding

    ...

  • author
    Andrew
    2 days ago
    Easy approval and fast processing..

    Easy approval and fast processing..

    ...

  • author
    LUIS HERNANDEZ DIAZ
    3 days ago
    You need customer service in spanish

    You need customer service in spanish After all good ....

    ...

  • author
    Osman Aberra
    3 days ago
    Great and quick service!

    Great and quick service. I applied for a loan on a Thursday and it was in my account that Saturday. It came at a time of need. Thank you to the upgrade team and those who helped make it happened. I will be using this service from now on!!

    ...

  • author
    DARRYL JACKSON
    3 days ago
    Very nice people

    Very nice people

    ...

  • author
    Paul Amershadian
    3 days ago
    I found the process very streamlined…

    I found the process very streamlined and easy.

    ...

  • author
    gary
    3 days ago
    Easy process thank you!!

    Easy process thank you!!

    ...

  • author
    Mandy Yancy
    3 days ago
    This company is amazing

    This company is amazing! Easy to use there site and quick response on approval. Money was in my account in one day.

    ...

  • author
    Claude Boynton
    3 days ago
    Sent a text to customer service never…

    Sent a text to customer service never got a response. Was not interested in autopay after approval wanted monthly invoices. So after approval never finished app.

    ...

  • author
    Timothy Debose
    3 days ago
    They delivered everything I applied…

    They delivered everything I applied for..Quick and easy!!

    ...

  • author
    Celo
    3 days ago
    I highly recommend Upgrade

    I highly recommend Upgrade. Very convenient and flexibility of a credit card on payment schedule of an installment loan.

    ...

  • author
    Roxie C Saxon
    3 days ago
    Quick and easy.

    Quick and easy.

    ...

  • author
    Sharon Parish
    3 days ago
    Don't waste your time!

    Never received money because of a problem with Upgrade. Problem was never corrected, never could log in even though I was fully approved, no virtual card ever appeared, I was told I would be notified when YOUR problem was corrected. Nothing ever worked with this company. Had to go somewhere else but got the money the same day with the new company! I waited an entire week for Upgrade to get their act together but they couldn't do it. Go to another company to acquire the money you need. You won't get it here.

    ...

  • author
    Ms. Rivera
    3 days ago
    I had a good experience because the…

    I had a good experience because the process was quick and receiving the money was fast. So far so good.

    ...

  • author
    Cynthia Brandt
    3 days ago
    The process is quick and simple

    The process is quick and simple. So grateful that I had the extra money. Cindy

    ...

  • author
    Leslie Williams
    3 days ago
    best service ever

    best service ever

    ...

  • author
    Chiquetta H
    3 days ago
    Upgrade came through just when I needed…

    Upgrade came through just when I needed them. I will never forget them

    ...

  • author
    Valarie Horn
    3 days ago
    I like how everything is explained in…

    I like how everything is explained in depth.

    ...

  • author
    DWM
    3 days ago
    So far easy to work with

    So far easy to work with. I will recommend upgrade to others

    ...

  • author
    JEFF STEINKE
    3 days ago
    I have been using Upgrade for the…

    I have been using Upgrade for the consolidation of my credit cards and other bills and even some of my trip to Mexico so my credit score should be going up very quickly with my debt being lower due to a fixed rate payment for 3 years instead of never knowing with my credit cards much better and so easy I thought it was a joke. I just didn’t know anything could be this streamlined. Thank you!!

    ...

  • author
    Char
    3 days ago
    Easy loan process

    Easy loan process, I received the funds sooner than I thought...

    ...

  • author
    Scymone Dortch
    3 days ago
    I really love Upgrade and the way we…

    I really love Upgrade and the way we support me!

    ...

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