Upgrade vs Chase

Upgrade is a savings account with one of the highest APYs in the nation. How does it compare to Chase? Read our comparison chart below.

	Upgrade	Chase
		Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER Upgrade Life Rewards Visa® - $200 Bonus - Learn More Read Upgrade Review	SPECIAL OFFER Chase First Banking - Learn More Read Chase Review
	Benefits and Features
Savings		Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD		Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App		iOS & Android
ATMs		15,000+ Chase ATMs
Customer Service		Automated service available 24/7
Locations		Over 4,700
	CreditDonkey® Reviews

Savings
Fees
Mobile App
Customer Service
CD
Checking
Pros & Cons	Pros: High APY No monthly fees No minimum opening deposit Cons: No ATM card $1,000 needed to earn APY	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Savings account with one of the highest APYs in the nation... Read full review	National bank with good promotions for new customers... Read full review
	Visit Site	Learn More
	Upgrade Life Rewards Visa® - $200 Bonus Upgrade Triple Cash Rewards Visa® - $200 Bonus Premier Savings - Up to 4.02% APY	Chase First Banking Referral Program - Up to $500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chase: Pricing information and data points from published website as of 08/26/2025.

Upgrade Life Rewards Visa® - $200 Bonus

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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
No annual fee
Pay no interest when you pay your full balance early
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
Up to 10% cash back from your favorite brands with Upgrade Shopping
No touch payments with contactless technology built in
See if you qualify in seconds with no impact to your credit score
Great for everyday expenses and large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy

Upgrade is a financial technology company, not a bank. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Upgrade Triple Cash Rewards Visa® - $200 Bonus

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$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
3% unlimited cash back on every purchase in Home, Health, and Auto
categories No annual fee
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
Up to 10% cash back from your favorite brands with Upgrade Shopping
No touch payments with contactless technology built in
See if you qualify in seconds with no impact to your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with
Visa's Zero Liability Policy

Upgrade Card - 1.5% Cash Back Rewards on Payments

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Earn 1.5% unlimited cash back on card purchases every time you make a payment
No annual fee
Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.*

Which is Better: Upgrade or Chase?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Upgrade or Bank of America.

In short: Upgrade's savings is notable.