When will I see my Refer a Friend bonus in my account?
For Upgrade customers who have referred a friend or were referred by a friend to Upgrade Card as part of our Upgrade Card Refer a Friend Program, your bonus will post within 30 days after the date that you meet the bonus conditions.
If you have a Rewards Checking account, your bonus will be applied to your Rewards Checking Account as a one-time payout credit. If you do not have a Rewards Checking account, your bonus will be applied as a one-time credit to your most recently opened Upgrade Card account against which you have made a charge.
All of your accounts through Upgrade must be in good standing to receive a bonus.