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Upgrade Cash Rewards Card

Unlimited 1.5% cash back rewards on every purchase1

  • $200 bonus when you 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 Visa3 is accepted to get rewarded with 1.5% cash back1

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 $25,000 3


Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted3


Make monthly payments

Use AutoPay for simple, automated payments


Get rewarded

Earn 1.5% unlimited cash back everyday, on every purchase

Plus, earn up to 10% extra 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 1.5% cash back on all purchases

Simple, unlimited rewards

Get rewarded on all purchases, with no categories to remember

Your Cash Back balance
As of Sep 25, 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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