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Welcome Bonus Offer Details: Spend in Select Merchant Categories and/or With Your Digital Wallet

To qualify for the bonus, you must 1) make $200 in total Upgrade Card purchases, in any combination: a) using your digital wallet for purchases in any category and/or b) Streaming, Mobile Provider, Insurance and Pet Care merchant categories within 90 days of Upgrade Card account opening AND (2) make 3 on-time payments of at least the minimum required monthly payment amount on your Upgrade Card within 1 year of Upgrade Card account opening. Non-purchase transactions do not qualify. Your Upgrade Card account must be open and in good standing to receive a bonus. This bonus offer cannot be combined (including with welcome bonuses), substituted, or applied retroactively. The bonus will be credited to your Upgrade Card within 1-2 billing periods after meeting the above conditions and will not otherwise reduce the amount of your regular monthly payments. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

Additional Merchant Category Details: 

  • Streaming: Cable, Satellite, and Other Pay Television and Radio
      Merchant examples: Netflix, Spectrum, Comcast, Spotify and more.
  • Mobile Providers: Telecommunication Services, Cellular Telephone Service
      Merchant examples: AT&T, T-Mobile, Verizon Wireless, Sprint and more.
  • Pet Stores: Pet Shops, Pet Foods, Supplies Stores
      Merchant examples: Chewy.com, Pet Smart and more.
  • Insurance: Insurance Underwriting, Premiums
      Merchant examples: Nationwide, State Farm, Progressive, Geico

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