Getting into your Upgrade account online
To log into your Upgrade credit card account, go to upgrade.com and click the login button in the top right corner. You'll enter the email address or phone number you registered with, then your password. If you set up two-factor authentication — which Upgrade recommends — you'll receive a code by text or email that you enter next.
Upgrade is a credit card issued through a partnership with Cross River Bank. Your login credentials are specific to Upgrade's platform, not to any other bank or card issuer. If you've forgotten your password, the login page has a "Forgot password?" link that will walk you through resetting it using your registered email.
Key Takeaways
- Log in at upgrade.com with your email or phone number and password — this is the only official Upgrade login portal.
- Two-factor authentication adds a security step where you confirm your identity with a code sent to your phone or email.
- If you forget your password, use the "Forgot password?" link on the login page to reset it through your registered email address.
- Your Upgrade account shows your balance, available credit, recent transactions, and payment options all in one place.
- You can also read the Upgrade mobile app and log in there with the same credentials.
What you can do once you're logged in
Once you're in your account, you can see your current balance, credit limit, and available credit. You can also view your recent transactions, set up automatic payments, make a one-time payment, and read statements. The account dashboard shows your credit utilization — how much of your available credit you're using — which is useful to track because it affects your credit score.
Upgrade also shows your credit score directly in the app or online account, updated monthly at no cost. This is one of the features that sets Upgrade apart from many other card issuers. You can also manage your card settings, such as turning your card on or off temporarily if you lose it or want to pause spending.
Resetting a forgotten password
If you can't remember your password, click "Forgot password?" on the Upgrade login page. You'll be asked to enter the email address or phone number associated with your account. Upgrade will send you a password reset link to that email or a code by text message.
Click the link or enter the code on the next page, then create a new password. Your new password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Once you've created your new password, you can log in when ready with it.
Setting up two-factor authentication
Two-factor authentication (often called 2FA) adds a second security layer to your account. After you enter your password correctly, you'll receive a six-digit code by text message or email. You must enter that code to finish logging in. Even if someone has your password, they can't access your account without that second code.
To turn on two-factor authentication, log into your account, go to settings or security, and look for the two-factor authentication option. You'll choose whether to receive codes by text or email, then confirm your choice. Upgrade will send you a test code to make sure the method works. After that, every login will require the extra step.
Using the Upgrade mobile app
Upgrade offers a mobile app for both iPhone and Android. You can read it from the Apple App Store or Google Play Store. Log in with the same email or phone number and password you use on the website. The app shows the same account information as the website — balance, transactions, credit score, and payment options.
Many people find the app faster for checking their balance or making a quick payment. You can also set up biometric login (fingerprint or face recognition) on the app for even faster access, though you'll still need your password the first time you log in on a new device.
Troubleshooting login problems
If you're locked out of your account after several wrong password attempts, Upgrade will temporarily block further login tries as a security measure. Wait 15 to 30 minutes, then try again. If the problem continues, use the "Forgot password?" link to reset your password rather than guessing.
If you're not receiving password reset codes by text or email, check that your phone number or email address is current in your account settings. You may need to update it first. If you've changed your phone number since opening your account, log in from a computer using your email address instead, then update your phone number in settings before trying text-based codes again.
If you still can't log in after resetting your password and checking your contact information, contact Upgrade's customer service. You can find their phone number on the back of your card or on upgrade.com. They can verify your identity and help you regain access.
Keeping your login find
Never share your password with anyone, including Upgrade employees. Upgrade will never ask for your full password in an email or phone call. If someone contacts you claiming to be from Upgrade and asks for your password, it's a scam — hang up or delete the message and contact Upgrade directly using the number on your card.
Use a unique password for your Upgrade account — don't reuse a password from another website or app. If you use a password manager like Bitwarden, 1Password, or LastPass, it can generate and store a strong, unique password for you. Change your password every few months, especially if you think someone else may have seen it.
Frequently Asked Questions
What do I do if I never received a confirmation email after signing up?
Check your spam or junk folder — confirmation emails sometimes land there by mistake. If you still don't see it, log in directly at upgrade.com using the email and password you created. If you can log in, your account is active and you don't need the confirmation email. If you can't log in, use the "Forgot password?" link to reset your password and try again.
Can I log into Upgrade from multiple devices at the same time?
Yes, you can log in on your phone, tablet, and computer at the same time. However, if you notice a login from a location or device you don't recognize, change your password when ready. Upgrade may also alert you to unusual login activity and ask you to confirm it's you.
What if I get an error message saying my account is locked?
This usually means you've entered the wrong password several times in a row. Wait 15 to 30 minutes without trying again, then attempt to log in once more. If the message persists, use "Forgot password?" to reset your password. If you still see the locked message after resetting, contact Upgrade customer service.
Do I need to log in every time I use the app?
No. Once you log in, the app will keep you logged in unless you manually log out, your session times out from inactivity, or you uninstall the app. For security, the app may ask you to re-enter your password or biometric information after a period of time, but you won't need to type your full credentials every visit.
Is it safe to save my password in my browser?
It's safer to use a dedicated password manager than to let your browser save it, because password managers encrypt your passwords and are harder to hack. If you do let your browser save your password, only do this on a personal device that no one else uses. Never save your password on a shared computer or public device.