Founded
2016
Users
7.5M+
Total Funding
$750M
Employees
1,950
🏢 Company Overview
Headquarters
San Francisco, USA
CEO
Renaud Laplanche
Funding Stage
Series C+
Total Funding
$750M
Users
7.5M+
Pricing
freemium
Rating
★ 4.6
AML Compliant
PCI DSS
Payment License
FDIC Insured
FDIC insured up to $1,000,000 through Cross River Bank and Participating Institutions
ℹ️ About Upgrade
Upgrade is a fintech neobank offering personal loans, credit cards, rewards checking, and high-yield savings to U.S. consumers.
⚡ Key Features
Credit card-loan hybrid installment repayment model
OneCard unified pay-now and pay-later card
Rewards checking with up to 2% cashback
High-yield Premier Savings with FDIC coverage
Flex Pay travel BNPL across Expedia brands
Auto financing through 1,000+ dealer partnerships
💪 Strengths & Weaknesses
4 Pros
3 Cons
💪
Strengths
What it does well
Fastest-growing U.S. credit card
No monthly maintenance fees
Accepts 580+ credit scores
Next-day loan funding available
⚠️
Weaknesses
Areas to improve
U.S.-only market availability
Origination fees up to 9.99%
High APR on credit products
💬 User Reviews
Share Your Experience with Upgrade
🗨
No reviews yet. Be the first to review Upgrade.
🔗 External Resources
🌍 Available In
1 countries
United States
Upgrade Alternatives
Compare 6+ similar apps
🏷️ Browse by Tag
Upgrade
4.6 ★