Upgrade OneCard
with Rewards Checking 1 to maximize your rewards
$200 welcome bonus when you start using a new Rewards Checking Plus account and make 3 purchases2
- Get up to 3% cash back for everyday purchases and 2% on all other purchases3
- You control how you pay for your purchases: Pay Now with no interest, or Pay Later4
- Extra Spending Power when you have Rewards Checking through Upgrade5
- No annual fee
You’re in Control with Upgrade OneCard
Pay Now, Pay Later
You decide which purchases you want to Pay Now with no interest, and which to Pay Later over time at a fixed rate
Extra Spending Power
Connect your OneCard to Rewards Checking and get extra spending power
Predictable Payment
Pay down balances each month at a fixed rate and over a fixed repayment term when you Pay Later
How It Works
1
Get your Upgrade OneCard
Apply online and get a credit line up to $25,0006 with your Upgrade OneCard
2
Make purchases and/or get funds sent to your account
Pay with Upgrade OneCard at retail locations and online and get up to 3% cash back for everyday purchases and 2% on all other purchases3 by activating Pay Now and linking it to your Rewards Checking account
3
Pay it down
You control how you pay for your purchases: Pay Now with no interest, or Pay Later4
Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®
Activate Upgrade Shopping offers from participating merchants via your account dashboard.7 Then shop online through Dosh or at stores, using your Upgrade card. You can get up to 10% cash back as a statement credit on qualifying purchases.
And Upgrade Shopping cash back is earned in addition to other Upgrade Card rewards.