Best Upgrade Credit Apps

246+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated September 2026

Upgrade is the household name in upgrade credit, but it's far from the only option. We track 246+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Upgrade Credit Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Upgrade - Mobile BankingUpgrade - Mobile BankingFree4.9★ (83K)NoNoSep 2026
2Boost Money: Cash and CreditBoost Money: Cash and CreditFree3.3★ (58)NoNoSep 2026
3Kikoff – Build Credit QuicklyKikoff – Build Credit QuicklyFree4.9★ (268K)NoNoSep 2026
4Atlas - Rewards Credit CardAtlas - Rewards Credit CardFree4.7★ (269K)NoNoSep 2026
5Lexington Law - Credit RepairLexington Law - Credit RepairFree4.8★ (109K)YesNoSep 2026
6TransUnion®TransUnion®Free4.6★ (39K)NoNoSep 2026
7Capital One CreditWiseCapital One CreditWiseFree4.8★ (309K)YesNoSep 2026
8Ava: Build Credit FastAva: Build Credit FastFree4.9★ (50K)NoNoSep 2026

Top Picks for Upgrade Credit

Upgrade - Mobile Banking#1

Upgrade - Mobile Banking by Upgrade, Inc.

Rewards Checking, Loans, Cards
Editor's Choice
💰 Finance
4.9😐(83K ratings)
Free
Upgrade - Mobile Banking screenshot 1
Upgrade - Mobile Banking screenshot 2
Upgrade - Mobile Banking screenshot 3
Upgrade - Mobile Banking screenshot 4

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.

What We Love

  • 🚀 Excellent, easy-to-use app
  • 🔒 Robust fraud prevention
  • 💰 Competitive interest rates and rewards
  • 👍 Seamless account management
  • 🏆 Helpful in improving credit and consolidating debt

Room to Improve

  • 🐛 Inconsistent account updates and transaction history
  • 🤔 Unclear policies around credit limit changes
  • ❌ Poor customer service and unresponsive to issues
  • 💳 Card usage issues and unexpected account suspensions
  • 🕰️ Slow processing of payments and deposits
Boost Money: Cash and Credit#2

Boost Money: Cash and Credit by Upgrade, Inc.

Spend, Save, Build Credit
Strong Contender
💰 Finance
3.3(58 ratings)
Free
Boost Money: Cash and Credit screenshot 1
Boost Money: Cash and Credit screenshot 2
Boost Money: Cash and Credit screenshot 3
Boost Money: Cash and Credit screenshot 4
Boost Money: Cash and Credit screenshot 5

This app helps you build credit, grow savings, and access cash advances to bridge the gap between paydays. It offers interest-free cash advances, credit building through responsible card use, and competitive APY on savings.

Kikoff – Build Credit Quickly#3

Kikoff – Build Credit Quickly by Kikoff Inc.

Equifax, Experian + TransUnion
Worth Considering
💰 Finance
4.9😊(268K ratings)
Free
#54in Finance
Kikoff – Build Credit Quickly screenshot 1
Kikoff – Build Credit Quickly screenshot 2
Kikoff – Build Credit Quickly screenshot 3
Kikoff – Build Credit Quickly screenshot 4
Kikoff – Build Credit Quickly screenshot 5
Kikoff – Build Credit Quickly screenshot 6

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

What We Love

  • 🚀 Credit score boost
  • 💳 Affordable credit building
  • 👍 Easy to use
  • 📈 Positive payment history
  • 🆙 Improved credit utilization

Room to Improve

  • 🐛 Billing and account issues
  • 🔒 Lack of customer support
  • ⚠️ Negative impact on credit score
  • 💰 Misleading about loan/credit offerings

More Upgrade Credit apps to explore

FAQ about Upgrade Credit

What are the best upgrade credit apps for iPhone?
Upgrade - Mobile Banking tops our upgrade credit apps ranking as of September 2026, with a 4.9-star average from 83K App Store ratings, and it's free to download.
Yes — 20 of the top upgrade credit apps we rank are free to download, including Upgrade - Mobile Banking and Boost Money: Cash and Credit.
Upgrade - Mobile Banking has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 246+ upgrade credit apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
This app provides a comprehensive mobile banking experience. You can manage rewards checking accounts, apply for and manage personal loans, credit lines, and cards. It also allows you to track balances, pay bills, monitor your credit score, and request cash advances.
Key features include earning cash back rewards on Upgrade Card purchases, managing various loan types (personal, auto, home improvement), tracking your credit score with alerts and a simulator, opening high-yield savings accounts, and requesting cash advances. It also facilitates bill payments and balance checks.

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