Skip to content

Upgrade Cards

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

5% cash back rewards in the category of your choice1

Choose your 5% category each month

Earn 5% on up to $1,500 in quarterly spend

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

TV, Internet and Streaming Services

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


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

Gas and EV Charging Stations

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


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 Stories
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

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 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 $25,0002

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


Time to pay off the balance
3 years

22 yearsii

Interest paid over that time



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 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:

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.

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.

From Our Customers

Upgrade on the go

Manage your account with the app

Apple App StoreGoogle Play Store
application illustrations

Recommended Articles

Upgrade Card FAQs

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at