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Upgrade Cards
Life Rewards

Life Rewards

3% Cash back

on gas, grocery, streaming, and utilities1

1% Cash back

on all other purchases1
  • check
    No annual fee
  • check
    Check for an offer with no credit score impact

Unlimited cash back on purchases1

3% cash back on these qualifying categories

Gas

Service Stations, Automated Fuel Dispensers, Electric Vehicle Charging Service

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

Grocery

Grocery Stores, Supermarkets, Convenience Stores and Specialty Markets

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

Streaming/Monthly Services

Cable, Satellite, and Other Pay Television and Radio

Merchant examples:
Comcast, Spectrum, AT&T, Google, Netflix and more.

Utilities

Utilities, Telecommunication and Data Utilities

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

Learn More

1% unlimited 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 Visa3 is accepted to get rewarded with up to 3% cash back1

  • Lower cost

    Set payoffs 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 on each purchase. Or pay no interest when you pay your full balance early4

How it works

  • Apply for Upgrade Card

    Check for an offer with no credit score impact

  • Tap, swipe, click and go

    Use your Upgrade Card anywhere Visa is accepted3

  • Make monthly payments

    Pay no interest when you pay your full balance early4

  • Get rewarded

    Earn up to 3% unlimited cash back everyday on every purchase when you pay it back1

Upgrade Shopping

Unlock savings on your favorite brands!

Discover offers, shop, and watch the discounts roll in.5

From Our Customers

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Upgrade on the go

Manage your account with the app

Download the Upgrade app for iOSGet the Upgrade app for Android

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Upgrade Card FAQs

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

Not for payments. Payment address can be found here.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 Purchases in Gas, Grocery, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

2 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.

3 Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.

4 By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

5 With Upgrade Shopping, you can redeem purchase offers from participating merchants. For the current list of merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full Upgrade Shopping terms, please review the Upgrade Shopping Terms and Conditions.

6 With Visa Signature benefits, certain restrictions, limitations and exclusions apply. With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made using your Upgrade Card or card information, when you report them promptly. This does not apply to transactions not processed by Visa. Terms apply. For more information, please refer to your Cardholder Agreement.

Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% based on creditworthiness. The lowest rates require Autopay. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Balance transfers are subject to a fee of up to 5% per transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.

If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. Your interest rate may be adjusted after the first 12 months your account is opened for future purchases or draws. For more information, please refer to your Personal Credit Line Agreement.

App Store® is a registered trademark of Apple Inc. Google Play™ and the Google Play logo are trademarks of Google LLC.

Copyright 2025 Upgrade, Inc.
All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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