What credit card uses Cross River bank?

Written by Editorial Team | Last Updated: August 2026

Cross River Bank serves as a premier issuing partner for numerous prominent financial technology companies, digital lenders, and neobanks. It provides the underlying banking infrastructure and BIN sponsorship to issue popular consumer credit cards, installment cards, and credit-builder programs—such as select cards offered through fintech platforms like Upgrade—enabling secure revolving credit lines compliant with major card networks.

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