- No annual fee
- Unlimited 1.5% cash back on payments2
- $200 bonus when you open a Rewards Checking account and make 3 debit card transactions3
- Use wherever Visa® is accepted with safe and fast contactless card technology.4
You're in Control with Upgrade Card
Use at retail locations or online and earn unlimited 1.5% cash back on payments.2 Or send funds to your bank account.
No annual or late fees and set payoffs bring your balance down faster so you can pay less interest†
Pay down balances from each month at a fixed rate and term
How it Works
Get your Upgrade Card
Apply online and get a credit line from $500 to $25,000 with your Upgrade Card 5
Make purchases or get funds sent to your account
Pay with Upgrade Card at retail locations and online and earn unlimited 1.5% cash back on all purchases when you pay them back.2 Or get funds sent to your bank account
Pay it down
Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments2
Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®
Activate Upgrade Shopping offers from participating merchants via your account dashboard.6 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 Payments
Get rewarded when you pay down your balance
Earn 1.5% cash back on Upgrade Card purchases when you pay them back.2