Skip to content
Sign In
Sign In

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
Get Started

You’re in Control with Upgrade OneCard

Finally, 1 card for everything
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®

Cash back

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.

Chip Enabled Contactless Upgrade Card

No touch payment is fast, safe, and hassle-free
Pay with your phone or device by using Apple Pay® or Google Pay™.

From Our Customers

Trustpilot
See More Reviews

Need Help?

Email us at
support@upgrade.com
Or call us at
(844) 319-3909
Monday - Friday, 5am - 6pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

1 You are not required to open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) to get OneCard. You may choose during the application process whether you wish to open a Rewards Checking Account; that choice has no bearing on your likelihood of approval. If you are approved for OneCard, when you activate your card, you may choose to link the Pay Now feature to a deposit account from your bank of choice. If you link the Pay Now feature to an external deposit account, your cash back rewards will be lower—1.5% across all purchases, earned after you make repayments—and you will not be eligible for Extra Spending Power.

2 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade OneCard and Rewards Checking Plus account must be open and in good standing to receive a bonus. Transactions must have settled and non-purchase transactions, such as ACH transfers or ATM transactions, do not qualify. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

3 You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate the Pay Now feature on your OneCard and keep that feature linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% 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 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

4 Pay Now is a feature of OneCard that allows you to designate specific purchases to be automatically paid off the day after purchases settle. When you authorize us to activate Pay Now, we’ll ask you to tell us your preferences as to which purchases you want to be designated as Pay Now and which as Pay Later. Each purchase will be processed as a credit transaction, but while you will not be charged interest on any purchases that you pay off using Pay Now, purchases designated as Pay Later will accrue interest at the fixed APR shown on your Truth-in-Lending disclosure. Every time you make a OneCard purchase, we’ll designate the purchase as Pay Now or Pay Later based on the preferences you gave us. Even after you make a purchase, you may change the designation of that purchase from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after your purchase settles. Every day at 12pm Pacific Time, we will initiate one-time debits to your bank account to pay off the prior day’s settled purchases that were designated as Pay Now. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now purchases to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now debit is returned by your bank, we will switch the underlying purchases to Pay Later, and those purchases will accrue interest as of the original purchase date. Designating a purchase as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.

5 You may be granted Extra Spending Power if you designate a Rewards Checking or Rewards Checking Plus account (“Rewards Checking Account”) to be the source of payments for the Pay Now feature of your Upgrade OneCard, maintain a positive available balance in the Rewards Checking Account, and maintain your Upgrade OneCard account in good standing. If you meet these conditions, the amount of your Extra Spending Power is generally determined by your Rewards Checking Account balance, with a larger deposit balance generally correlating to a higher Extra Spending Power, up to a maximum of $5,000. The Extra Spending Power supplements your Credit Limit to increase the amount of your Available to Spend for purchases. We reserve the right to raise or lower the Extra Spending Power maximum from time to time in our sole discretion subject to compliance with applicable law. If you qualify for Extra Spending Power and you make a purchase that causes your Upgrade OneCard balance to exceed your Credit Limit, the amount of the purchase that exceeds your Credit Limit will be processed as a Pay Now purchase, even if the total amount of the purchase would otherwise be processed as a Pay Later purchase based on your Pay Now settings.

6 Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade OneCard is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade OneCard will not replenish as it would in an open-end credit arrangement.

7 With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. After a qualifying purchase has settled, your cash back will typically be applied to your balance within 90 days. Cash back rewards will be applied to your balance and will not otherwise reduce the amount of your regular monthly payments. If you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Upgrade Shopping cash back, we reserve the right to remove any related cash back amount from your Upgrade Card or withhold future cash back to cover any such amount. To opt-out of the Upgrade Shopping program, please email upgrade customer service at support@upgrade.com. Please note that an opt out is permanent and will apply to any Upgrade Shopping account(s) you have at the time of such opt out and any new account you may open in the future through Upgrade that is eligible for Upgrade Shopping (i.e., such new account will not be enrolled in the Upgrade Shopping program and you will not be able to accrue any rewards under this program on any of your existing or future accounts through Upgrade). For full cash back shopping terms, please review the Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy.

If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. For more information, please refer to your Personal Credit Line Agreement.

Apple, Apple Pay, and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. Google, Google Pay and the Google logo are trademarks of Google Inc. The Contactless symbol and Contactless indicator are trademarks owned by and used with the permission of EMVCo, LLC. VISA is a registered trademark of Visa International Service Association and used under license.

Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans made by Upgrade's bank partners. Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info. Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender.

Upgrade, Inc. BBB Business ReviewTrustedSite Certification Badge