Screenshots
Description
Been using Upgrade for a couple months now. It’s basically a mobile banking app that lets you do all kinds of financial stuff – request cash advances, open savings accounts, check your credit score, that sort of thing. Pretty solid app if you’re into personal finance and managing your money on the go.
Here’s what you can do: you can track your rewards and earn cash back on purchases, manage your Upgrade Card or personal loan, and monitor your credit score. There’s also a credit score simulator which is pretty cool – you can see how different actions might impact your score. Took me a while to figure that part out but it’s useful.
Look, if you’re into personal finance apps, you’ll probably like this. It’s not perfect – the interface can be a little clunky at times – but overall it does the job. Worth checking out if you want an all-in-one money management tool.
Editor Opinion
So here's my honest take on Upgrade. I've tested a bunch of banking and finance apps, and this one's pretty solid overall. The features are comprehensive without being overwhelming, and I like how you can do everything from one place. The credit monitoring and score simulator are particularly useful. On the downside, the interface can feel a bit dated and the learning curve is steeper than some other apps I've used. But if you're looking for a well-rounded personal finance app, Upgrade is definitely worth considering.
Pros & Cons
Pros
- Tons of features for managing your money in one place
- Earn cash back rewards on purchases
- Credit monitoring and score simulator are really helpful
- Free to use with no monthly fees
Cons
- Interface can feel a bit clunky and outdated
- Took me a while to figure out all the features
- Some functionality is locked behind paid tiers
Specifications
| Updated | 06.10.2025 |
| Category | Finance |
| Age Rating | Everyone |
| Developer | Upgrade, Inc. |
| Android | Android 12++ |
| Package Name |
com.upgrademobile |
Ratings
User Reviews
I don't recommend this card! No matter how much you pay, minimum payments will only go up not down. I haven't used this card in months now, yet my minimum...
Suspended my account and could not explain nor find out why the account was suspended. On the phone every 3 days with an agent being told there was nothing that...
Super shady, lots of issues with the company. App works fine, but wouldn't recommend dealing with this company. Many times I've suddenly been notified I'm delinquent on my account, despite...
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App Permissions
This app requires 17 permissions to function properly:
Frequently Asked Questions
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