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Upgrade OneCard

with Rewards Checking1 to maximize your rewards

$200 welcome bonus when you start using a new Rewards Checking account and make 3 purchases2

  • Get 3% cash back for everyday purchases, 2% for 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

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


Get your Upgrade OneCard

Apply online and get a credit line up to $25,0006 with your Upgrade OneCard


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% for all other purchases3 by activating Pay Now and linking it to your Rewards Checking account


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?

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(844) 319-3909
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Saturday - Sunday, 6am - 5pm PT

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

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