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Upgrade Life Rewards Card

With credit lines from $500 to $25,000
3%Unlimited cash back

on gas, grocery, health, streaming, and utilities purchases2

1%Unlimited cash back

on all other purchases

Get Started
  • $200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions3
  • No annual fee
  • Pay your balances in full early each month and avoid interest with EarlyPay4

Unlimited Cash Back on Purchases

3% Cash back on these qualifying categories2

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.

Health

Health and Beauty Spas, Gym Memberships, Exercise Equipment

Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, 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% Cash Back on all other purchases

Target / Walmart purchases earn unlimited 1% cash back

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 Visa5 is accepted to get rewarded with up to 3% cash back 1

Lower Cost

Set payoffs so you can bring your balance down faster so you can pay less interest

And, no annual or late fees

Predictable

Pay down balances from each month at a fixed rate and term. Or pay in full, early each month and avoid interest with EarlyPay4

How it Works

1

Apply for Upgrade Card

Get a credit line from $500 to $25,0003

2

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted5

3

Make monthly payments

Use AutoPay for simple, automated payments

4

Get Rewarded

Earn up to 3% unlimited cash back everyday, on every purchase

Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®

Cash back

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.

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1 Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your transaction may be higher or lower. 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 the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

2 Purchases in Gas, Grocery, Health, 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. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

3 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus 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 Plus account as a one-time payout credit within 60 days after meeting the conditions.

4 Your card offers you an early repayment option to avoid interest. After your first statement period, interest will generally accrue daily from the day a transaction occurs. With EarlyPay, you can choose to pay off your statement balance in full two (2) days after your statement period ends, so that you'll pay no interest on transactions for your next statement period. Or, you can make your required minimum monthly payment on your monthly due date, which is twenty-two (22) days after your statement period ends. If making the minimum payment results in any carryover balance from one statement period to the next, all balances will accrue interest for the next statement period. You can pay off your line at any time to eliminate further daily interest.

5 Upgrade Card cannot be used at an ATM.

6 With Upgrade Shopping powered by Dosh® you get cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice.
After a qualifying purchase has settled, your cash back will typically be applied to your balance within 90 days. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments.
If you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Upgrade Shopping cash back, we reserve the right to remove any related cash back amount from your Upgrade Card or withhold future cash back to cover any such amount. To opt-out of the Upgrade Shopping program, please email upgrade customer service at support@upgrade.com. Please note that an opt out is permanent and will apply to any Upgrade Shopping account(s) you have at the time of such opt out and any new account you may open in the future through Upgrade that is eligible for Upgrade Shopping (i.e., such new account will not be enrolled in the Upgrade Shopping program and you will not be able to accrue any rewards under this program on any of your existing or future accounts through Upgrade).
For full cash back shopping terms, please review the Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy.

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. For more information, please refer to your Personal Credit Line Agreement.

Copyright 2023 Upgrade, Inc.
All rights reserved.

Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info.

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