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Upgrade Life Rewards

Unlimited Cash Back on Payments

3%cash back

on gas, grocery, health, streaming, and utilities1

1%cash back

on all other purchases1

  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2

  • No fees

  • Credit lines from $500 to $25,0003

  • Pay your balances in full early each month and avoid interest with EarlyPay4

Unlimited Cash Back on Payments

3% cash back on gas, health, streaming, and utilities, 1% cash back on all other purchases (Target and Walmart earn 1% cash back)1

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.

Health

Health and Beauty Spas, Gym Membership, 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.

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 credit card with the predictability of a personal loan.
Convenient

Convenient

3% cash back on gas, health, streaming, and utilities, 1% cash back on all other purchases (Target and Walmart earn 1% cash back)1

Lower Cost

Lower Cost

No fees and set payoffs bring your balance down faster so you pay less interest ‡

Predictable

Predictable

Pay down balances from each month at a fixed rate with equal monthly payments or pay in full early each month and avoid interest with EarlyPay4

How it Works

Green Upgrade card with contactless symbol and Visa logo
  1. Get your Upgrade Card

    Apply online and get a credit line from $500 to $25,0003 with your Upgrade Card

  2. Make purchases or get funds sent to your account

    Pay with Upgrade Card at retail locations and online and earn 3% cash back in gas, grocery, health, streaming and utilities, 1% cash back on all other purchases (Target and Walmart earn 1% cash back).1 Or have funds sent to your bank account

  3. Pay it down

    Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments1

Plus, earn up to 10% extra cash back from select merchants 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.

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