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Upgrade OneCard

With Rewards Checking
Finally one card for everything! All with no annual fee.
Simplify your wallet
    Get rewards on all your purchases
    Pay now or pay later, you decide
one card

Get more cash back when combined with Rewards Checking1

Cash back on purchases when you pay them back2
on everyday purchases


cash back

on everyday purchases

on all other purchases


cash back

on all other purchases

Without Rewards Checking get

1.5% cash back

on purchases when you pay them back

There's more, really!

Bonus Time!

$200 welcome bonus

when you start using a new Rewards Checking account and make 3 purchases.3

upgrade customers can select which purchases to pay now and which to pay later

Control your budget

Pay Now
Money comes directly from your bank account to pay off your purchase the day after it settles – with no interest but all of the rewards.
Pay Later
Spread out the cost of your purchases over time with predictable monthly payments.
set a pay now limit and earn rewards with your purchases

Okay, how?

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Need Help?

Email us at

Or call us at

(844) 319-3909

Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 6am - 5pm PT

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

Not for payments. Payment address can be found here.

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