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Up to 2% cash back on common everyday expenses2

Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000+ direct deposit1, and up to 1% cash back for other purchases.2
Open Account
Up to $250,000 in FDIC insurance through Cross River Bank. See disclosures below.*
hero cash rewards

Merchant Types with up to 2% Cash Back2

Convenience and drug stores
Pharmacies | Drug Proprietors | General Stores | Mini-marts | Convenience Retailers

Merchant examples:
CVS, Walgreens, Rite Aid

Gas Stations
Service Stations | Automated Fuel Dispensers | Electronic Vehicle | Charging Service

Merchant examples:
Shell, Chevron, ExxonMobil, Speedway

Monthly subscriptions
Movie and TV Streaming Services | Digital Music Subscriptions

Merchant examples:
Netflix, SiriusXM, Spotify, DisneyPlus

Restaurants
Restaurants | Food Delivery Apps | Miscellaneous Eateries | Coffee Shops | Food Trucks

Merchant examples:
McDonalds, UberEats, Chipotle, Starbucks

Utilities, phone
Utilities | Telecommunication | Data Utilities

Merchant examples:
AT&T, T-Mobile, Verizon Wireless, Cricket Wireless

1% cash back on everything else2

Unlimited 1% cash back on all other debit card purchases with direct deposit

Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.
Open Account
Up to $250,000 in FDIC insurance through Cross River Bank. See disclosures below.*

Questions? View our help center to learn more about merchant types.

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

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

*Checking accounts are insured up to $250,000 in FDIC insurance through Cross River Bank. Funds are insured up to $250,000 per ownership category and per institution. Upgrade is not a bank and is not FDIC insured.

1 Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards, ATM fee reimbursement, and more. See the Active Account page for more information.

2 Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses 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, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

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All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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