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Upgrade OneCard Rewards

Get 3% Cash Back on Everyday purchases and 2% cash back on all other purchases
when you maintain a qualifying active Rewards Checking account*
hero cash rewards
3% Cash Back for active Rewards Checking account holders on these qualifying categories

Airports, Airport Terminals, Flying Fields | Telecommunications Equipment including telephone sales | Fax services, Telecommunication Services | Cable and other pay television | Electric Gas, Sanitary and Water Utilities | Drugs, Drug Proprietors, and Druggist’s Sundries | Dairy Products Stores | Bakeries | Misc. Food Stores - Convenience Stores and Specialty Markets | Service Stations (with or without ancillary services) | Automated Fuel Dispensers | Caterers | Eating places and Restaurants | Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | Fast Food Restaurants | Drug Stores and Pharmacies | Package Stores - Beer, Wine, and Liquor

2% Cash Back for active Rewards Checking account holders on all other purchases
1.5% Cash Back for non–active Rewards Checking account holders on all purchases
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Not for payments. Payment address can be found here.

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* Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your OneCard balance after your next scheduled monthly payment. To earn 3% or 2% cash back, you must open a Rewards Checking account through Upgrade and, in each statement cycle for your Rewards Checking account thereafter, maintain a qualifying active account as described here. If you meet that activity threshold, you will earn 3% cash back on common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars—including deliveries—and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will earn 2% cash back on all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will earn 2% cash back. If you do not meet the Rewards Checking activity threshold, you will earn 1.5% cash back on all purchases. Rewards associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. Eligibility for 3% “everyday” cash back is determined by the merchant category code (MCC), which merchants choose based on the kinds of products and services they primarily sell. Some limitations apply. Please refer to your Cardholder Agreement for more information.

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Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info.

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