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Upgrade OneCard

with Rewards Checking1 to maximize your rewards

$400 welcome bonus when you start using a new Rewards Checking account and make 3 purchases2

  • Get 3% cash back on everyday purchases, 2% on everything else3

  • 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 fees

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 with equal monthly payments 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 on everyday purchases and 2% on everything else3 by connecting 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

Need Help?

Or call us at
(844) 319-3909
Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 5am - 6pm 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