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Upgrade to Rewards Checking

2%
Cash Back

Common everyday expenses2

1%
Cash Back

Everything else2

  • No ATM fees, no account fees, no transfer fees

    1
  • Up to 20% lower rate on loans & cards through Upgrade

    3
  • Pair with a 3.50% APY4 High Yield Savings account and reach your goals faster

Open Account
fdic-icon
FDIC insured up to $250,000 through Cross River Bank, Member FDIC
Rewards Checking

Unlimited Cash Back on Debit Charges

2% Common everyday expenses

Convenience and drug stores
Merchant examples: CVS, Walgreens, Rite Aid
Gas stations
Merchant examples: Shell, Chevron, ExxonMobil, Speedway
Monthly subscriptions
Merchant examples: Netflix, SiriusXM, Spotify, DisneyPlus
Restaurants
Merchant examples: McDonalds, UberEats, Chipotle, Starbucks
Utilities, phone
Merchant examples: AT&T, T-Mobile, Verizon Wireless, Cricket Wireless

1% Everything else

Unlimited 1% cash back on all other charges

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.2

Why upgrade to Rewards Checking?

No Fees

No ATM fee, no account fee, no monthly or annual fee, no transfer fee, no overdraft fee1

Up to 2% Cash Back

2% cash back on common everyday expenses and recurring payments and unlimited 1% cash back on every other debit card charge2

Lower Rates on New Loans & Cards

The rate on your next loan or card through Upgrade will be up to 20% lower if you maintain an active Rewards Checking account3

Pair High Yield Savings with Rewards Checking

Add a High Yield Savings Account when you open your Rewards Checking through Upgrade and reach your goals faster

We offer 3.50% Annual Percentage Yield (APY)4, 14x the national average5

No minimum balance, no monthly fees, easy transfer between accounts6

From Upgrade Customers

"I have had nothing but the best customer service ever since I became part of the Upgrade family. Keep up the excellent work and customer service."
- Bobby R. Upgrade Customer

How it Works

1

Open an account online in just a few minutes.

2

Fund your account with the click of a button or set up direct deposit to have your paycheck deposited automatically each pay period.

3

Use your Rewards Checking debit card anywhere Visa® is accepted and earn up to 2% cash back.2

FAQ

What is a Rewards Checking account?
Is money deposited in my Rewards Checking account FDIC insured?
How do I access my money?

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