Life Rewards
3% Cash back
on gas, grocery, streaming, and utilities11% Cash back
on all other purchases1
3% Unlimited cash back on these qualifying categories1
Gas
Service Stations | Automated Fuel Dispensers | Electronic Vehicle | Charging ServiceMerchant examples:
Shell, Exxon/Mobil, CircleK, Speedway, and more.
Grocery
Grocery Stores | Supermarkets | Convenience Stores | Specialty MarketsMerchant examples:
Kroger, Publix, Meijer, Safeway, Instacart, and more.
Streaming/Monthly services
Cable | Satellite | Other pay Television | RadioMerchant examples:
Comcast, Spectrum, AT&T, Google, Netflix, and more.
Utilities
Utilities | Telecommunication | Data UtilitiesMerchant examples:
AT&T, T-Mobile, Verizon, Verizon Wireless, Sprint, and 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