Upgrade offers a credit card with a personal loan’s predictability and flexibility. Online and at retail locations, the Upgrade Card can be used or funds can be sent directly to your checking account. Rates and terms are fixed, so you don’t have to worry about adjusting your budget.
Types of Upgrade Cards
There are 4 types of Upgrade cards available for customers to apply for during the Upgrade Card pre approval process – here’s a list of those cards:
- Cash Rewards – offers unlimited 1.5% cash back on payments
- Triple Cash Rewards – offers unlimited 3% cash back on payments for purchases in Home, Auto, and Health categories
- Bitcoin Rewards – offers unlimited 1.5% back in bitcoin on payments
- Upgrade Cade – offers credit with no fees
Upgrade Card Pre Qualify Steps
Most consumers become familiar with the Upgrade Card first by receiving an invite in the mail. The next step is to visit the online website to have their credit checked and to apply. Before getting started with the application process you will need to locate your 15 digit Upgrade card pre approval reservation number. You can find that number at either the top or bottom of your offer letter.
According to your credit report, receiving a pre-approved letter means that you have met the minimum borrowing requirements. If you submit an application, we will verify other factors such as employment and income. You can see what you may qualify for and viewing your offer has no impact on your credit score.
- Visit the Upgrade card pre approval website
- Enter your 15 digit pre-approval code
- Press the green Get Started button
When you select the Get Started button this will check your rate but not your credit score via the Upgrade card pre approval website. Your credit report is accessed via a soft inquiry when you check your rate to determine whether you qualify for any offers. This will not affect your credit score.
Upon accepting your offer and providing your bank account information, a second soft inquiry is conducted, which has no effect on your credit score. Our loan funding process includes a hard inquiry on your credit report, which may affect your credit score and be visible to third parties.
Application Information Needed
- Date of birth
- Annual income
- Email address
Upgrade Card Highlights
Lines up to $25,000
Low fixed rates
Affordable monthly payments
APR range is 8.99% to 29.99%
Chip enabled contactless card
Credit score requirement is 640
Upgrade Contact Information
Email – [email protected]
275 Battery Street, 23rd Floor
San Francisco, CA 94111
Send a Payment
Call the Servicing Team
Monday – Friday 6am to 6pm PST
Saturday and Sunday 6am to 5pm PST
Upgrade card pre approval
Upgrade card pre approval reservation number