Upgrade vs AirKey

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/).

AirKey helps customers verify their identity by simply tapping their AirKey-enabled card to their phone. With the AirKey app, you can learn more about how the AirKey technology works and try it out. All you need is an AirKey-enabled card to get started (just look for the key symbol on the back of your card to determine if your card is AirKey-enabled). What else can you do on the AirKey app? For certain transactions, you can • Review transaction details such as the merchant name, transaction amount, and card details to confirm its legitimacy and • Tap your AirKey-enabled card to your phone to prove the card is in your possession - after successfully authenticating, you continue your shopping experience Internet access is needed to use the AirKey app. Check with your Internet service provider for details of specific fees and charges. Service outages may occur. Features may not be available to all customers. Actual experiences may differ from those depicted. Additional terms and limitations apply.