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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

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

Extra Spending Power

Connect your OneCard to Rewards Checking and get extra spending power

Predictable Payment

Predictable Payment

Pay down balances each month at a fixed rate with equal monthly payments when you Pay Later

How It Works

Green Upgrade card with contactless symbol and Visa logo
  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

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™.

Apple PayContactlessGoogle Pay

From Our Customers

(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.

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