Upgrade vs Chime

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

		ChimeUpstartChaseDiscover BankBank of America
	Visit Site	Learn More
	Upgrade	Chime
	SPECIAL OFFER Upgrade Life Rewards Visa® - $200 Bonus - Learn More Read Upgrade Review	SPECIAL OFFER Get Started - Learn More Read Chime Review
	Benefits and Features
Savings		2.00% Annual Percentage Yield (APY).
Checking		No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee		$0
Minimum Deposit to Open		$0
Mobile App		iOS & Android
ATMs		Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Customer Service		24/7
Locations		Online only
	CreditDonkey® Reviews
Savings
Fees
Mobile App
Customer Service
Checking
Pros & Cons	Pros: High APY No monthly fees No minimum opening deposit Cons: No ATM card $1,000 needed to earn APY	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Savings account with one of the highest APYs in the nation... Read full review	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
	Visit Site	Learn More
	Upgrade Life Rewards Visa® - $200 Bonus Upgrade Triple Cash Rewards Visa® - $200 Bonus Premier Savings - Up to 4.14% APY	Get Started Refer a Friend and Get $100 Chime Second Chance Banking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Upgrade Life Rewards Visa® - $200 Bonus

Learn More

• $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

Learn More

• $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 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 Card - 1.5% Cash Back Rewards on Payments

Learn More

• 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.*

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.

Which is Better: Upgrade or Chime?

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 customer service is notable.

Articles on Upgrade

Upgrade Checking Account Bonus

Want to take advantage of an Upgrade checking account bonus? Here's all you need to know about how to qualify.

Upgrade Premier Savings Review

Upgrade Premier Savings gives a really high APY for savings. But what do you need to get it? Read on to learn how to earn their highest APY.

Articles on Chime

Chime

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

• Chime vs Chase
• Chime vs Discover Bank
• Chime vs Bank of America

Chime Locations

Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.

Chime Alternatives

Discover the best Chime competitors that can offer you better rewards and a wider range of account options.

Which Do You Think is Best?