3% unlimited cash back on everyday essentials

Upgrade OneCard Essentials is a cash back rewards credit card that earns unlimited 3% cash back on everyday spending categories: gas, groceries, streaming and monthly subscriptions, and utilities. You earn 1% cash back on every purchase, with no caps and no limits. There’s no annual fee and you can use it anywhere Visa® is accepted.

Upgrade OneCard Essentials has no annual fee.

Upgrade OneCard Essentials earns unlimited 3% cash back on these everyday categories:

• Gas: Service stations, EV charging, and more
• Groceries: Supermarkets, specialty markets, and convenience stores
• Streaming and monthly subscriptions: Netflix, Spotify, AT&T, and more
• Utilities: Power, phone, and internet bills

And you earn unlimited 1% cash back on every purchase. 

Applying for Upgrade OneCard Essentials is simple and quick. Here's how it works:


• Share some basic information about yourself
• We run a soft credit check. There's no impact to your credit score if you're not approved
• If you're approved, we'll let you know right away and your card will be on its way

That's it. The whole process takes just a few minutes.

Yes. Upgrade OneCard Essentials offers Visa Signature benefits, including Roadside Dispatch, Travel and Emergency Assistance Services, and Visa's Zero Liability Policy.