Upgrade Boost Money™ Card

4.2 8.4/10 DebitCue Score Verified Jun 20, 2026

Build credit, access cash advances, grow savings — no credit score needed

Fee: No fee; Free tier available; Premium tier is $9.99/month with one free trial month
Foreign fee: None
Rewards: No rewards

Rewards

No cash-back rewards program. Premium subscribers receive purchase security (up to $500/claim), return protection, extended warranty, and trip cancellation protection.

Our verdict

What stands out, and where it falls short.

What we like

No cash-back rewards program. Premium subscribers receive purchase security…
No card fee
No foreign transaction fees

Who It Is For

Whether the Upgrade Boost Money™ Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Foreign transaction fee: None
Monthly Fee: $0 (Free tier) or $9.99/month (Premium, with 1-month free trial)

Rewards and features

Rewards: No cash-back rewards program. Premium subscribers receive purchase security (up to $500/claim), return protection, extended warranty, and trip cancellation protection.
Pay with: Contactless
BoostCash Advances: Interest-free advances from $20 up to $500; standard delivery 3–5 days, express within minutes on Premium
Savings APY: Up to 10.00% APY on first $1,000 (Premium); 3.05% on balances above $1,000; 1.5% APY on Free tier

Benefits and perks

Extras that come bundled with the card.

Credit Bureau Reporting

On-time payments reported to all three major credit bureaus to build credit history
Premium Purchase Protection

Up to $500 per claim purchase security on Premium tier ($9.99/month)

Upgrade Boost Money™ Card: your questions answered

Does the Upgrade Boost Money™ Card have a card fee?

No - the Upgrade Boost Money™ Card has no card fee.

What rewards does the Upgrade Boost Money™ Card earn?

The Upgrade Boost Money™ Card earns No cash-back rewards program. Premium subscribers receive purchase security (up to $500/claim), return protection, extended warranty, and trip cancellation protection..

Does the Upgrade Boost Money™ Card charge foreign transaction fees?

No - the Upgrade Boost Money™ Card has no foreign transaction fees, so it suits spending abroad.

Is the Upgrade Boost Money™ Card a credit, debit or prepaid card?

The Upgrade Boost Money™ Card is a prepaid card issued by Upgrade on the Visa network.

Does the Upgrade Boost Money™ Card support Apple Pay and Google Pay?

The Upgrade Boost Money™ Card does not list Apple Pay or Google Pay support.

Where can I get the Upgrade Boost Money™ Card?

The Upgrade Boost Money™ Card is currently offered in United States.

How does DebitCue rate the Upgrade Boost Money™ Card?

DebitCue rates the Upgrade Boost Money™ Card 4.2 out of 5 (8.4/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Upgrade Boost Money™ Card?

Use the Apply now button to continue on Upgrade's secure site. Comparing and applying through DebitCue is free.