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Upgrade OneCard Triple Cash Back Rewards

You will accrue cash back rewards when you pay eligible purchases back. Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 2% or 1%. To get 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Preferred account through Upgrade (“Rewards Checking Account”) and either (i) activate Pay Now purchases on your OneCard and keep it linked to your Rewards Checking Account or the Secured Account associated with your OneCard, if applicable, or (ii) maintain each month a qualifying active Rewards Checking account as described here. If you meet these conditions, you will accrue 2% cash back for common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars—including deliveries—and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will accrue 1% cash back for all other OneCard purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 1% cash back. If you do not meet the above conditions, you will accrue 1% cash back for all purchases. Get more information on merchant category below. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program's Terms and Conditions.

Merchant Categories*

Home: Air Conditioning and Refrigeration Repair Shops | Carpentry | Carpet and Upholstery Cleaning | Construction Materials Not Elsewhere Classified (Business to Business MCC) | Contractors, Concrete | Drapery, Window Covering, and Upholstery Stores | Durable Goods Not Elsewhere Classified (Business to Business MCC) | Electrical Contractors | Equipment, Tool, Furniture, and Appliance Rental and Leasing | Fireplaces, Fireplace Screens and Accessories Stores | Floor coverings, Rugs | Furniture - Reupholster, Repair, and Refinishing | Furniture, Home Furnishings, and Equipment Stores, except Appliances | General Contractor/Residential Building | Glass, Paint, and Wallpaper Stores | Hardware Stores, Equipment Utilities Regulated | Hardware, Plumbing, Heat Equipment and Supplies (Business to Business MCC) | Heating, Plumbing, Air Conditioning Contractors | Home Supply Warehouse | Household Appliance Stores | Landscaping and Horticultural Services | Lumber & Building Materials Stores | Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors | Miscellaneous Home Furnishing Specialty Stores | Nurseries and Lawn and Garden Supply Stores | Paints, Varnishes and Supplies (Business to Business MCC) | Plumbing and Heating Equipment and Supplies (Business to Business MCC) | Roof, Siding, and Sheet Metal Work Contractors | Special Trade Contractor - Not Elsewhere Classified | Swimming Pools--Sales, Supplies, and Services Merchant examples: Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.

Auto: Automobile Rental Agency | Automotive Paint Shops | Automotive Service Shops (Non-Dealer) | Automotive Tire Stores | Automotive Top & Body Shops | Camper, Recreational and Utility Trailer Dealers | Car and Truck Dealers (New and Used) — Sales, Service, Repairs, Parts, and Leasing | Car and Truck Dealers (Used) — Sales, Service, Repairs, Parts, and Leasing | Car Washes | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers — Not Elsewhere Classified | Mobile Home Dealer | Motor Home and Recreational Vehicle Rentals | Motor Home Dealers | Motor Vehicle Supplies and New Parts (Business to Business MCC) | Motorcycle Dealers | Snowmobile Dealers | Tire Retreading & Repair | Towing Services | Truck and Utility Trailer Rentals

Merchant examples: Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more.

Health: Bicycle Shop-Sales and Services | Chiropractors | Counseling Services - Debt, Marriage, and Personal | Dance Halls, Studios & Schools | Dentists and Orthodontists | Doctors and Physicians - Not Elsewhere Classified | Drug Stores and Pharmacies | Health and Beauty Spas | Hearing Aids--Sales, Service, and Supplies | Hospitals | Medical and Dental Laboratories | Medical Services Health Practitioners - Not Elsewhere Classified | Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | Nursing and Personal Care Facilities | Optometrists and Ophthalmologists | Orthopedic Goods and Prosthetic Devices | Osteopathic Physicians | Podiatrists and Chiropodists | Public Golf Courses | Recreation Services - Not Elsewhere Classified | Sporting Goods Stores | Sports and Riding Apparel Stores

Merchant examples: Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.

2% Cash Back for active Rewards Checking account holders on these qualifying categories: Airports, Airport Terminals, Flying Fields | Telecommunications Equipment including telephone sales | Fax services, Telecommunication Services | Cable and other pay television | Electric Gas, Sanitary and Water Utilities | Drugs, Drug Proprietors, and Druggist’s Sundries | Dairy Products Stores | Bakeries | Misc. Food Stores - Convenience Stores and Specialty Markets | Service Stations (with or without ancillary services) | Automated Fuel Dispensers | Caterers | Eating places and Restaurants | Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | Fast Food Restaurants | Drug Stores and Pharmacies | Package Stores - Beer, Wine, and Liquor

1% Cash Back for active Rewards Checking account holders on all other purchases

1% Cash Back for non–active Rewards Checking account holders on all 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.

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