# Boost Money: Cash and Credit — Spend, Save, Build Credit > Finance app for credit building, savings growth, and cash advances. (iPhone/iPad app by Upgrade, Inc..) - Source: https://appshunter.io/ios/app/boost-money-cash-and-credit/id6756896490 (this page in markdown: same URL + `.md`) - Developer: [Upgrade, Inc.](https://appshunter.io/developer/1389859092) - Category: Finance - Price: Free - Rating: 3.30/5 from 58 App Store ratings · 12 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 62 MB - Languages: American English - Released: 2026-03-09 - Data updated: 2026-09-08 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/boost-money-cash-and-credit/id6756896490/reviews.md ## What is Boost Money? Boost Money™ is an all-in-one app designed to help you build credit with responsible use of the card, grow savings, and get access to cash to help bridge the gap between paydays. Boost Money™ is provided through Upgrade, Inc. Upgrade is a financial technology company, not a bank. - Get interest-free BoostCash™ advances up to $500¹ - Bridge the gap between paydays. We'll automatically align your repayment due date with your next expected paycheck¹ - Help build credit when you use your secured card responsibly.³ Spend up to your available balance and we'll report on-time payments to the three major credit bureaus to help you build credit over time³ - Earn an industry-leading APY - No minimum balance to earn 10.00% APY on savings balances up to $1,000 with a Premium subscription, and 3.05% APY on balances over $1,000² - Get identity, retail, and travel protections with a Premium subscription Share feedback at mobile_app_feedback@upgrade.com ¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility. ² For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure. ³ A Boost Money™ Card is automatically sent when you fund, receive money into, or switch direct deposit to your Spend account. You can also request a card anytime. Be sure to have funds in your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Credit score improvement is not guaranteed. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit. All loans, Personal Credit Lines, and checking and savings accounts, and Boost Money™ products are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-). ## Key features - Interest-free cash advances up to $500 - Build credit with secured card - High APY on savings balances - Identity, retail, and travel protections - Automatic repayment alignment with paydays ## Chart rankings - #201 in Top Free · Finance (US App Store) ## Recent user reviews (10 of 12) All indexed reviews: https://appshunter.io/ios/app/boost-money-cash-and-credit/id6756896490/reviews.md ### 5/5 — App *2026-07-21* App is good takes a while to get set up thats about it but the rest is pretty easy ### 1/5 — Trash *2026-07-12* Trash don’t mess with your money by banking with them ### 5/5 — Advance *2026-07-02* The best when your short on cash ### 1/5 — Worst customer service ever *2026-06-27* You expect you customers to keep a word doc and copy and paste prior chats to have access to them. Your self service confirms that auto pay can be cancelled in writing and then your agents say that is not possible. You have no options to change repayment dates and you excessively try to debit people’s accounts multiple times a day (5 times a day today) for repayment. Why do you excessively debit people’s accounts make them upset and have no options to assist. What a sham and a horrible app. ### 1/5 — Scan *2026-06-25* This is a terrible app total scam don’t download very misleading ### 2/5 — Add virtual card *2026-06-18* Would be better if the had a virtual card option instead of having to wait on physical card. It’s 2026 get with the times. ### 1/5 — Dont work *2026-06-17* Don’t bother supper buggy not worth time ### 1/5 — Deceptive Practices *2026-06-08* Clearly states advances can be approved same day after setting up direct deposit through their system. Customer service then states that it takes 1-2 pay cycles for them to verify before they can approve. Seems like a trick just to get people to switch deposits to them. **Developer response:** Sorry about the confusion. We're happy to help figure out what happened, and to provide you with other BoostCash™ advance options. Please reach out to depositsupport@upgrade.com or log into the app and select the chat icon at the top of your screen. If possible, please provide a screenshot of the information you saw that was confusing. ### 1/5 — Scam App *2026-05-14* App said I was already eligible for $50.00 cash advance but would either do 25 without premium or full 50 with premium . Paid 10 subscription fee just for the app to say the cash advance failed ….DONT install and won’t remove this comment until they fix it. BAD BUISNESS BAD APP WILL SCAM YOU ### 5/5 — Fast cash *2026-05-12* Got cash fast to my debit card. Nice I can build credit too ## Frequently asked questions about Boost Money ### What is Boost Money? Boost Money is a finance app designed to help users build credit, grow savings, and access cash advances. It offers features like interest-free cash advances and credit building through responsible card usage. ### How can Boost Money help me build credit? Boost Money helps build credit by reporting your on-time payments on their secured card to the three major credit bureaus. Responsible use of your Boost Money Card can positively impact your credit history over time. ### What are the savings APY rates for Boost Money? With a Premium subscription ($9.99/month), you can earn 10.00% APY on savings balances up to $1,000 and 3.05% APY on balances over $1,000. Without Premium, the APY is 1.50% on all balances. ### What is BoostCash™? BoostCash™ provides interest-free cash advances up to $500 to help bridge the gap between paydays. The repayment due date is automatically aligned with your next expected paycheck. ### Does Boost Money have ads? Based on the provided data, Boost Money does not contain advertisements. ### What devices does Boost Money support? Boost Money is available on iPhone and iPod devices. ### How often is Boost Money updated? The latest version of Boost Money is 1.1.0, and it was last updated on April 14, 2026. This suggests a relatively recent update cycle. ### Is Boost Money suitable for younger users? Boost Money has an age rating of 17+, indicating it is intended for adult users due to its financial services. ## Version history (last 4 releases) ### 1.3.0 — 2026-07-28 We're constantly improving our app and working on the next exciting features! ### 1.2.0 — 2026-06-18 We're constantly improving our app and working on the next exciting features! ### 1.1.0 — 2026-04-14 We're constantly improving our app and working on the next exciting features! ### 1.0.0 — 2026-03-09 No release notes. ## More apps by Upgrade, Inc. - [Upgrade - Mobile Banking](https://appshunter.io/ios/app/upgrade-mobile-banking/id1389859093) - [Upgrade Home for Contractors](https://appshunter.io/ios/app/upgrade-home-for-contractors/id1631611913) All apps by Upgrade, Inc.: https://appshunter.io/developer/1389859092 ## Related topics [boost money](https://appshunter.io/ios/topics/boost-money) · [upgrade boost money](https://appshunter.io/ios/topics/upgrade-boost-money) · [new cash advance apps](https://appshunter.io/ios/topics/new-cash-advance-apps) · [upgrade credit](https://appshunter.io/ios/topics/upgrade-credit) · [instant cash advance plaid](https://appshunter.io/ios/topics/instant-cash-advance-plaid) · [upgrade boost cash](https://appshunter.io/ios/topics/upgrade-boost-cash) · [new cash advance](https://appshunter.io/ios/topics/new-cash-advance) · [credit builder loan](https://appshunter.io/ios/topics/credit-builder-loan) · [branch bank](https://appshunter.io/ios/topics/branch-bank) · [pay in 4 bills](https://appshunter.io/ios/topics/pay-in-4-bills) · [credit builder app](https://appshunter.io/ios/topics/credit-builder-app) · [upgrade finance](https://appshunter.io/ios/topics/upgrade-finance) · [oneblinc](https://appshunter.io/ios/topics/oneblinc) · [rocco cash advance](https://appshunter.io/ios/topics/rocco-cash-advance) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*