Upgrade vs Cherry for Providers
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Upgrade
Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.
- Cash back rewards on card purchases
- Manage personal loans and credit lines
- Track credit score and receive alerts
- High-yield savings accounts
- Cash advance requests
- Bill payment and balance checking
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Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on credit card purchases¹ • Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, credit cards, personal credit lines, and checking and savings accounts 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://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).
Cherry for Providers
This app allows existing Cherry practices to accept patient payments and applications on compatible iOS devices. It serves as an add-on to desktop software, enabling convenient checkout and the ability to send application links to patients.
- Patient payment processing
- Application submission
- Checkout on iOS devices
- Send application links
- View outstanding approvals
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Elevate your Cherry experience with Cherry for Providers, available exclusively to existing Cherry providers. As an optional add-on to our desktop software, Cherry for Providers enables your consumers to conveniently apply and checkout on your compatible iOS device. You can also text application and checkout links, view all outstanding approvals and completed transactions, preview estimated payment options, and more right from your device. Not a Cherry provider yet? Book a demo to learn more today at withcherry.com/book-demo. --- What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time. --- Cherry is a financial technology provider and platform, not a bank or a lender. Please see withcherry.com/financing-partners for more information. Not every practice that offers Cherry will offer the payment plan terms listed above. Term length, loan amount, 0% APR and other promotional rates are subject to eligibility. Copyright © 2020-2026 Cherry Technologies, Inc. NMLS #2061234, 2261 Market Street #4869 San Francisco, CA 94114.
Screenshots
Verdict
The clearest difference is rating: Upgrade at 4.9 against Cherry for Providers's 4.0. Upgrade also leads on ratings volume (84K vs 4) and update cadence (every 11 days vs every 2 months). Cherry for Providers's advantage is monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Upgrade holds the better App Store score, 4.9 against 4.0. That said, the two scores are not equally well evidenced: Upgrade has 84K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 53% of Upgrade's written reviews are positive against 36% of Cherry for Providers's.
Upgrade ships an update every 11 days, Cherry for Providers every 2 months. The most recent releases landed on November 8, 2026 and November 3, 2026 respectively.
| Parameter | Upgrade | Cherry for Providers |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (84K ratings) — better | 4.0 (4 ratings) |
| Positive reviews | 52.7% of reviews — better | 35.7% of reviews |
| Number of ratings | 84K — better | 4 |
| Update frequency | Every 11 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #149 — better | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 93 MB | 50 MB |
| Age rating | 17+ | 4+ |
| Developer | Upgrade, Inc. | Cherry Technologies, Inc. |
Customer experience
Upgrade
Cherry for Providers
Bugs and requests
Upgrade
Reported bugs
2 issues- Login issues and inability to reset passwords
- Discrepancies between app and website information
Requested features
3 requests- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience
Cherry for Providers
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Upgrade
No in-app purchases
Cherry for Providers
No in-app purchases
Questions
Is Upgrade free?
Is Cherry for Providers free?
Which has better reviews, Upgrade or Cherry for Providers?
Do Upgrade or Cherry for Providers have ads?
Which is updated more often, Upgrade or Cherry for Providers?
Other comparisons
