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

With your Rewards Checking account, you can earn unlimited cash back rewards on all of your debit charges -- 2% cash back on common everyday expenses and 1% cash back on everything else.* 

2% 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

1% Cash Back on Everything Else*

  • Unlimited 1% 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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