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OneCard Essentials

3% unlimited cash back on everyday essentials

Your everyday rewards, your ways to pay

Terms apply

Available by invitation only

Unlimited
3% cash back
on these categories:

  • Gas stations

    Gas, service stations, EV charging, and more

  • Groceries

    Supermarkets, specialty markets, and convenience stores

  • Streaming & monthly subscriptions

    Netflix, Spotify, AT&T, and more

  • Utilities

    Power, phone, and internet bills

Learn more
1% cash back
on everything else — with no limits on what you can earn on purchases
$0 annual fee
*See Important Disclosures for Pricing, Fees, and other information
Terms apply

Pay now or pay later. It's your choice

Pay as you normally would

Pay any amount, from the minimum due to the full balance, at the end of each month, just as you always do
an UI graphic showing users paying their credit card normally
Coming soon

Pay Now

Skip paying cash for smaller purchases. Earn rewards on purchases and enjoy Visa Zero Liability protection
Card 3.0 Pay Now (Grayscale)
Coming soon

Pay in 4

For purchases you want now, with 4 interest-free biweekly payments. A familiar buy now, pay later experience - available through your card
Card 3.0 Pay in Four (Grayscale)
Coming soon

Pay Over Time

Turn larger purchases into predictable monthly payments with $0 down
Card 3.0 Pay Over Time (Grayscale)

Shop and earn with confidence

Visa's Zero Liability Policy

You’re protected from unauthorized purchases on your card 

Travel and Emergency Assistance Services

Call anytime for assistance from anywhere in the world

Roadside Dispatch®

Get help on towing, jump starts, and lockout service when you need it

Rewards don’t expire

Enjoy rewards that won't expire while your account is in good standing

Upgrade Shopping

Discover offers and discounts on your favorite brands

Unlimited cash back

Earn cash back on all purchases - no caps, no limits

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Download the Upgrade app

  • Get 24/7 fraud monitoring and set real-time alerts
  • View balances, make payments, and manage your PIN
  • Add your card to your mobile wallet for fast, secure payments
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