HighFive Cash Rewards

5% Cash back

on purchases in the category of your choice¹

1% Cash back

on all other purchases¹

No annual fee
Credit lines from $500 to $25,000²

Get Started

Checking your rate is free and won't impact your credit score

$200 bonus

when you also open a Rewards Checking Plus account and make 3 debit card transactions³

$200 bonus

when you also open a Rewards Checking Plus account and make 3 debit card transactions³

5% cash back rewards in the category of your choice¹

Choose your 5% category each month

Earn 5% on up to $3,000 in quarterly spend

Groceries

Merchant examples:
Kroger, Publix, Meijer, Safeway, and more.

TV, Internet and Streaming Services

Merchant examples:
Netflix, Spectrum, Comcast, Spotify, and more.

Dining

Merchant examples:
McDonald's, Starbucks, UberEats, Waffle House and more.

Gas and EV Charging Stations

Merchant examples:
Shell, Exxon/Mobil, Chevron and more.

Travel

Merchant examples:
American Airlines, Marriott, Hilton, Delta Airlines and more.

Cell Phone Providers

Merchant examples:
AT&T, T-Mobile, Verizon Wireless, Sprint and more.

More 5% cash back categories

Home Utilities

Drug Stores

Pet Care and Stores

1% cash back on all other purchases

All Cash Back Rewards are earned when you pay eligible purchases back. Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.¹

You´re in Control with Upgrade Card

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

Convenient
Swipe, tap, insert or purchase online anywhere Visa⁴ is accepted to get rewarded with up to 5% cash back in the category of your choice¹
Lower cost
Set payoffs so you can bring your balance down faster so you can pay less interest
And, no annual fee
Predictable
Pay down balances from each month at a fixed rate and term. Or pay no interest when you pay your full balance early⁵

How it works

Apply for Upgrade Card
Get a credit line from $500 to $25,000²
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 up to 5% cash back on purchases when you pay them back¹

Lower Cost than Traditional Credit Cards

Upgrade Card balances have a fixed rate and term so you know when you pay off your balance and can save on interest. Traditional credit cards can keep you in debt with minimum payments that pay back little of the principal balance.

Bring your balance down faster to pay less interest

Interest paid on a $5,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment

	Upgrade Card	Traditional credit card
Monthly payment	$182.66	$125.00ⁱ
Time to pay off the balance	3 years	22 yearsⁱⁱ
Interest paid over that time	$1,575.71ⁱⁱⁱ	$6,923.09ⁱⁱ

i. The minimum payment on a traditional credit card would begin at $125.00 for the first payment and would vary, and decreases, as it’s paid down.

ii. Source: minimum monthly payment calculator available at https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 18%, which is approximately equal to the national average rate for good credit (source: https://www.cardrates.com/).

iii. Interest of $1,575.71 assumes a $5,000 charge and installment payments of $182.66 for 36 months. Installment payments calculated with 18% APR and 36–month term accounting for interest accrued between the charge date and the due date 51 days later.

Upgrade Shopping

Up to 10% cash back at 1,000s of stores

Use your Upgrade Card to get up to 10% cash back from your favorite brands.⁶

From Our Customers

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Upgrade Card FAQs

Upgrade Card can help you make good credit decisions by combining the flexibility of a cash back rewards credit card with the predictability of a personal loan. Upgrade HighFive Cash Rewards Card is our best cash back rewards card if you want 5% cash back rewards on up to $3,000 in quarterly purchases in the category of your choice. You get to change your category every month, so you can maximize your cash back. Plus you get 1% cash back rewards on all other purchases, when you pay them back.

Each statement period, your Upgrade Card transactions are combined into one monthly payment with a fixed rate and term. That means you know when you’ll pay off your charges and can save on interest over time. By comparison, most cash back rewards credit cards have a low minimum monthly payment. With minimum payments, you tend to pay off less of the principal and may stay in debt for extended periods of time.

With a fixed rate and term, Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a cash back rewards credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use. And with Upgrade HighFive Cash Rewards Card, you get 5% cash back rewards on purchases, up to the $3,000 in quarterly spend, in the category of your choice, plus 1% cash back rewards on all other purchases when you pay them back.

With a personal loan, your funds are disbursed in a lump sum once you're approved. If you need additional money, you’ll need to apply again to borrow additional funds. You are responsible to pay back the full amount that you borrow, plus interest, even if you do not use the loan proceeds as you planned. And you do not get any cash back rewards on your loan payments.

Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.

First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.

Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.

HighFive Cash Rewards