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Rewards Checking Plus

The checking account with cash back

  • check
    Up to 2% cash back on purchases1
  • check
    Add Performance Savings to earn up to 4.02% APY2
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Up to $250,000 in FDIC or NCUA insurance through Cross River Bank or Participating Institutions. See disclosures below.*

borrow up to $50,000

Personal Loans
borrow up to $50,000

EARN UP TO 3% CASH BACK

See All Upgrade Cards
EARN UP TO 3% CASH BACK

PAY NOW OR PAY LATER

OneCard
PAY NOW OR PAY LATER

earn 4.02% APY

Premier Savings
earn 4.02% APY

up to 2% CASH BACK

Rewards Checking Plus
up to 2% CASH BACK

Discover ways to save

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Email us at

support@upgrade.com

Or call us at

(844) 319-3909

Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

2 Performance Savings accounts that meet the Active Accounts requirements qualify for 4.02% Annual Percentage Yield (APY) with monthly $1,000 direct deposit. The APY for Active Accounts is effective as of March 24, 2025. Otherwise, the APY for the Performance Savings account is 1.5% and is effective as of June 1, 2023. The APY for Performance Savings accounts is variable and may change at any time. Please refer to the applicable Cross River Bank Performance Savings Deposit Account Agreement and Truth in Savings Disclosure.

To earn APY, you must open and fund a Performance Savings account. Rewards Checking Plus accounts do not earn APY.

3 Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5,000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

4 You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars—including deliveries—and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

5 Pay Now is an optional feature of OneCard that allows you to designate specific purchases or ATM transactions to be automatically paid off the day after the transaction settles. To make use of Pay Now, you must (1) activate the “Pay Now Purchases” setting and tell us which purchase amounts you would like to designate as Pay Now (for example, all purchases of $25 or less) and/or (2) activate the “ATM Access” setting, which will treat all ATM transactions as Pay Now regardless of the transaction amount. If you do not activate ATM Access, any request for an ATM transaction will be declined. Each transaction will be processed as a credit transaction, but while you will not be charged interest on any transactions that you pay off using Pay Now, transactions designated as Pay Later will accrue interest as described in your Personal Credit Line Agreement. Even after you make a purchase or ATM transaction, you may change the designation of that transaction from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after the transaction settles. Every day at 12pm Pacific Time, we will initiate one-time debits to your designated bank account to pay off the prior day’s settled transactions that were designated as Pay Now. If any debit fails from the primary bank account that is designated in your Pay Now standing authorization, the debit will be initiated from the secondary bank account that is designated (if any) therein. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now transactions to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now debit is returned by your bank, we will switch the underlying transactions to Pay Later, and those transactions will accrue interest as of the original transaction date. Designating a transaction as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.

6 You may be granted Extra Spending Power if you have a Rewards Checking or Rewards Checking Plus account (“Rewards Checking Account”), designate the Rewards Checking Account as the primary source of payments for the Pay Now Purchases feature of your OneCard, maintain a positive available balance in the Rewards Checking Account, and maintain your OneCard and Rewards Checking accounts in good standing. If you meet these conditions, the amount of your Extra Spending Power is generally determined by your Rewards Checking Account balance, with a larger deposit balance generally correlating to a higher Extra Spending Power, up to a maximum of $5,000. The Extra Spending Power supplements your Credit Limit to increase the amount of your Available to Spend for purchases and ATM transactions. We reserve the right to raise or lower the Extra Spending Power maximum from time to time in our sole discretion subject to compliance with applicable law. If you qualify for Extra Spending Power and you make a purchase or ATM transaction that causes your OneCard balance to exceed your Credit Limit, the amount of the transaction that exceeds your Credit Limit will be processed as a Pay Now transaction, even if the total amount of the transaction would otherwise be processed as a Pay Later transaction based on your Pay Now settings.

*Checking accounts are insured up to $250,000 in FDIC insurance through Cross River Bank. Deposits to Performance Savings and/or Secured OneCard Savings Accounts are eligible for FDIC and/or NCUA deposit insurance up to $250,000 through Cross River Bank, Member FDIC and Participating Institutions. Learn more about the Custodial Program and Participating Institutions for Performance Savings or Secured OneCard Savings Account. Cross River Bank may place some or all of the funds held in your savings account(s) into an account at one or more other Participating Institutions. Each Participating Institution is either (1) a FDIC-insured depository institution that only covers the failure of insured banks, or (2) a credit union that is eligible for insurance through the NCUA Share Insurance Fund if the credit union fails. Funds are insured up to $250,000 per ownership category and per institution. Certain conditions must be satisfied for FDIC deposit insurance coverage to apply to any funds held at a FDIC-insured depository institution. Upgrade is not a bank and is not FDIC insured. You are responsible for monitoring where your deposits are held (available in your Upgrade dashboard) to determine the extent of FDIC and/ or NCUA insurance coverage available to you.

† Accept your loan offer and your funds will be sent to your bank or designated account within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes the transaction. From the time of approval, funds sent directly to you should be available within one (1) business day. Funds sent directly to pay off your creditors may take up to 2 weeks to clear, depending on the creditor.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early.

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All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's 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 and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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