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Cash Rewards Elite

2.2% cash back rewards on purchases1

  • $200 bonus when you also open a Rewards Checking Plus account and make 3 debit card transactions2
  • No annual fee
  • Credit lines from $500 to $25,0003
  • Use wherever Visa® is accepted with safe and fast contactless card technology4

You're in Control with Upgrade Card

Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded1

Lower Cost

Set payoffs bring your balance down faster so you can pay less interest

And, no annual or late fees


Pay down balances from each month at a fixed rate and term

How it Works


Apply for Upgrade Card

Get a credit line from $500 to $25,0003


Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted4


Make monthly payments

Opt in to AutoPay for simple, automated payments


Get rewarded

Earn 2.2% unlimited cash back everyday, on every purchase1

Plus, earn up to 10% cash back with Upgrade Shopping powered by Dosh®

Cash back

Activate Upgrade Shopping offers from participating merchants via your account dashboard.5 Then shop online through Dosh or at stores, using your Upgrade Card. You can get up to 10% cash back as a statement credit on qualifying purchases.

And Upgrade Shopping cash back is earned in addition to other Upgrade Card rewards.

Unlimited 2.2% cash back on purchases

Simple, unlimited rewards

Get rewarded on all purchases, with no categories to remember

Your Cash Back balance
As of Dec 7, 2023


Lifetime Cash Back

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

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