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Upgrade Cards

Upgrade OneCard

with Rewards Checking Plus

3% Cash back

on everyday purchases2

2% Cash back

on all other purchases2
Without Rewards Checking get 1.5% cash back on purchases when you pay them back<sup>1</sup>
hero cash rewards
3% Cash Back for [active](https://www.upgrade.com/deposits/active-account/) 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](https://www.upgrade.com/deposits/active-account/) 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.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 You are not required to open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) to get OneCard. You may choose during the application process whether you wish to open a Rewards Checking Account; that choice has no bearing on your likelihood of approval. If you are approved for OneCard, when you activate your card, you may choose to link the Pay Now feature to a deposit account from your bank of choice. If you link the Pay Now feature to an external deposit account, your cash back rewards will be lower—1.5% across all purchases, earned after you make repayments—and you will not be eligible for Extra Spending Power.

2 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 Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking Account or the Secured Account associated with your OneCard, if applicable, 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. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

If there are changes to your credit score or other risk factors based on a soft inquiry, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future draws. The terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future draws if you wish to continue using your line. Draws will be subject to a minimum draw amount, which is determined based on your total line availability. There is no minimum draw amount when you use the Upgrade Card. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.

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All rights reserved.

Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Checking and savings accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank.

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