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I was excited to apply for this card, primarily cash back rewards in the form of Bitcoin. However after 2 months there was no indication of my rewards balance nor did the Support team have any idea when it would appear. After a 40 minute conversation I was told that Upgrade arbitrarily decides when to purchase Bitcoin and apply it to your account. If they have no liquidity there this is essentially a broken card- program. All this card serves as is a debit card and an interest payment in any purchase…so I’m going for gas and paying you in addition to the purchase?!?! It’s also misleading to have no clarity as to your balance versus the due date…..your balance, actually every purchase is to be paid off within 24-48 hours to avoid an interest fee but they can’t even divulge this on the app nor have any idea what the processing time is to pull it from your checking account. If you want a debit card bc you have trouble manages a couple hundred dollars apply…if you want to accrue bitcoin which actually has value look elsewhere because this is the moon to them.

I hold a phone call about my brother application he submitted for a loan he got approved on credit karma, it was saying outstanding approval we submit his documents and wanted to check if everything is fine, we were talking to the approval agent he's name was Paul, as soon as he starts talking to my brother his voice changed I was on the phone to help my brother on his behalf, he told him you know what I'm going to decline his application when I asked the reason, he didn't let me talk and hang off the phone, I talk to their supervisor and wanted to find out why his loan got declined, no reason because their agent was racist, this is a free country, the upgrade is the company to provide loan or credit card, I would not recommend the company that their employees are ignorant and racist! I would leave 1 star...

So I have been with upgrade for like 3-4 months they are on auto pay have been paid on time each month. But because my credit score dipped they took away the ability for me to actually use the card. I have never seen that ever . And the fact that they have been paid on time each month never late is the worst part . They will take away your amount of credit then your credit all together. I would suggest using grain which is similar or self or a number of other apps but not this I still have those a accounts who were also on auto pay I have not been penalized as upgrade has I would never suggest them.