OneCard Essentials
3% unlimited cash back on gas, groceries, streaming, and utilities
- 1% unlimited cash back on all other purchases
- No annual fee
Available by invitation only
3% unlimited cash back on these categories
Gas stations
Gas | Service stations | Automated fuel dispensers | Electronic vehicle | Charging service
Merchant examples: Shell, Exxon/Mobil, CircleK, Speedway, and more.
Grocery
Grocery stores | Supermarkets | Convenience stores | Specialty markets
Merchant examples: Kroger, Publix, Meijer, Safeway, Instacart, and more.
Streaming & monthly services
Cable | Satellite | Other pay television | Radio
Merchant examples: Comcast, Spectrum, AT&T, Google, Netflix, and more.
Utilities
Utilities | Telecommunication | Data utilities
Merchant examples: AT&T, T-Mobile, Verizon, Verizon Wireless, Sprint, and more.
1% unlimited cash back on all other purchases
All Cash Back Rewards are earned when you make eligible purchases. Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.