Boost Money: Cash and Credit
Spend, Save, Build Credit
Only for iPhone
Free
iPhone
Boost Money™ is an all-in-one app designed to help you build credit with responsible use of the card, grow savings, and get access to cash to help bridge the gap between paydays.
Boost Money™ is provided through Upgrade, Inc. Upgrade is a financial technology company, not a bank.
- Get interest-free BoostCash™ advances up to $500¹ - Bridge the gap between paydays. We'll automatically align your repayment due date with your next expected paycheck¹
- Help build credit when you use your secured card responsibly.³ Spend up to your available balance and we'll report on-time payments to the three major credit bureaus to help you build credit over time³
- Earn an industry-leading APY - No minimum balance to earn 10.00% APY on savings balances up to $1,000 with a Premium subscription, and 3.05% APY on balances over $1,000²
- Get identity, retail, and travel protections with a Premium subscription
Share feedback at mobile_app_feedback@upgrade.com
¹ Subject to eligibility. BoostCash™ amounts range from initial $20 to $500 over time. 10.00% APY and express delivery requires a $9.99/month Premium subscription. Delivery may take 3-5 business days without Premium or via ACH; or within minutes with express delivery for Premium subscribers ($9.99/mo). Funds availability depends on the receiving bank. Learn more about eligibility and terms at http://www.upgrade.com/boost-money/eligibility.
² For Boost Money™ Save accounts, the 10.00% Annual Percentage Yield (APY) up to a $1,000 balance requires a Premium subscription ($9.99/mo). Balances over $1,000 with Premium earn 3.05% APY. Without a Premium subscription, the APY for the Boost Money™ Save account is 1.50% on all balances. The APY is effective as of 10/31/2025, is variable and may change at any time. Certain fees, such as outbound wire transfers or RTP, may impact earnings. Please refer to the applicable Cross River Bank Savings Deposit Account Agreement and Truth in Savings Disclosure.
³ A Boost Money™ Card is automatically sent when you fund, receive money into, or switch direct deposit to your Spend account. You can also request a card anytime. Be sure to have funds in your Boost Money™ Spend account. Then spend up to the available balance on your Boost Money™ Card. We'll report on-time payments to the three major credit bureaus (Transunion®, Experian®, and Equifax®) to help you build credit over time. Credit score improvement is not guaranteed. Late payments, delinquencies or other derogatory activity on this account or your other credit card accounts and loans may adversely impact your ability to build credit.
All loans, Personal Credit Lines, and checking and savings accounts, and Boost Money™ products 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://upgrade.zendesk.com/hc/en-us/articles/115005202407--Is-Upgrade-a-bank-).
We're constantly improving our app and working on the next exciting features!
The developer, Upgrade, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Upgrade, Incorporated
- Size
- 64.8 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- Copyright
- © Copyright (c) 2025-2026 Upgrade, Inc.