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Upgrade OneCard Rewards

Get up to 3% Cash Back on Everyday purchases and 2% 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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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

* You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate the Pay Now feature on your OneCard and keep that feature linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for 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 accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade OneCard, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payment on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. 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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