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OneCard Cash Rewards

Unlimited 1.5% cash back on all purchases

Your unlimited rewards, your ways to pay

Terms apply
No impact to your credit score if not approved
Unlimited
1.5% cash back
on every purchase
$0 annual fee
*See Important Disclosures for Pricing, Fees, and other information
Terms apply

Pay now or pay later. It's your choice

Pay just like any credit card

Pay any amount, from the minimum due to your full balance by your due date each month.
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Pay Now

Earn credit card rewards on purchases you'd normally pay with a debit card
Upgrade's OneCard Pay Now payment feature

Pay Over Time

Turn larger purchases into predictable monthly payments with $0 down
Upgrade's OneCard Pay Over Time payment feature
Coming soon

Pay in 4

For purchases you want now, with 4 interest-free payments over 6 weeks. A familiar buy now, pay later experience — available through your card
Card 3.0 Pay in Four (Grayscale)
Learn more

Shop and earn with confidence

Zero Liability

You’re protected from unauthorized purchases on your card 

Travel and Emergency Assistance Services

Call anytime for assistance from anywhere in the world

Roadside Dispatch®

Get help on towing, jump starts, and lockout service when you need it

Rewards don’t expire

Enjoy rewards that won't expire while your account is in good standing

Upgrade Shopping

Discover offers and discounts on your favorite brands

Unlimited cash back

Earn cash back on all purchases - no caps, no limits

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Point your phone's camera at this code to download the app

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Download the Upgrade app

  • Get 24/7 fraud monitoring and set real-time alerts
  • View balances, make payments, and manage your PIN
  • Add your card to your mobile wallet for fast, secure payments
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