![](/img/primary-stripes.png)
Upgrade OneCard
With Rewards Checking![one card](/img/cards/one-card-large.png)
Get more cash back when combined with Rewards Checking1
![](/img/new-one-card/dot-pattern-upstroke.png)
![](/img/new-one-card/dot-pattern-downstroke.png)
![on everyday purchases](/img/new-one-card/tv.png)
3%
cash back
on everyday purchases
![on all other purchases](/img/new-one-card/coffee-cup.png)
2%
cash back
on all other purchases
Without Rewards Checking get
1.5% cash back
on purchases when you pay them backThere's more, really!
![](/img/new-one-card/thunder.png)
Extra Spending Power
When you have Rewards Checking through Upgrade.![](/img/new-one-card/bank.png)
Use Money Your Way
By sending funds directly to your connected bank account. Fees may apply.![](/img/new-one-card/cash-back.png)
Get More Cash Back
Spend at select merchants and get even more cash back through Upgrade Shopping.![](/img/new-one-card/thunder.png)
Extra Spending Power
When you have Rewards Checking through Upgrade.![](/img/new-one-card/bank.png)
Use Money Your Way
By sending funds directly to your connected bank account. Fees may apply.![](/img/new-one-card/cash-back.png)
Get More Cash Back
Spend at select merchants and get even more cash back through Upgrade Shopping.$200 welcome bonus
when you start using a new Rewards Checking account and make 3 purchases.3
![](/img/new-one-card/star.png)
Set your preferences to Pay Now with no interest
or Pay Later4![upgrade customers can select which purchases to pay now and which to pay later](/videos/pay-now-pay-later-demo.webp)
Control your budget
![set a pay now limit and earn rewards with your purchases](/videos/pay-now-pay-later-toggle.gif)
Okay, how?
Check for a pre-approved offer with no impact to your credit score
Complete your application and add a deposit account – it works best with Rewards Checking through Upgrade
Set up your payment preferences for Pay Now and Pay Later, you can change them at any time
Enjoy your cash back, better control of your budget, and simplifying your wallet with Upgrade OneCard
Check for a pre-approved offer with no impact to your credit score
Complete your application and add a deposit account – it works best with Rewards Checking through Upgrade
Set up your payment preferences for Pay Now and Pay Later, you can change them at any time
Enjoy your cash back, better control of your budget, and simplifying your wallet with Upgrade OneCard
![chat bubbles](/img/need-help.png)