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How can I earn cash back with my Rewards Checking Plus account?

With your Rewards Checking Plus account, you can earn unlimited cash back rewards on eligible debit charges -- 1% cash back on common everyday expenses and 0.5% cash back on all other eligible debit card purchases. Active Rewards Checking Plus Accounts accrue 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year), and unlimited 1% cash back on all other eligible debit card purchases, including on common everyday expenses after the $500 maximum. Some limitations apply.  See the Active Account page for more information on how you can have an Active Account. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

1% Cash Back on Common Everyday Expenses*:

Merchant Type

Merchant Examples

  Convenience, Drug Stores

  CVS, Walgreens, Rite Aid

  Gas Stations

  Shell, Chevron, ExxonMobil, Speedway

  Monthly Subscriptions

  Netflix, SiriusXM, Spotify, Disney Plus

  Restaurants

  McDonalds, Uber Eats, Chipotle, Starbucks

  Utilities, Phone

  AT&T, T-Mobile, Verizon Wireless, Cricket Wireless

 0.50% Cash Back on Everything Else*:

  • Unlimited 0.50% cash back on all other charges

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.

* Some limitations apply.

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