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Life Rewards

3% cash back on gas, grocery, health, streaming, and utilities purchases1

  • $200 bonus when you also open a Rewards Checking Plus account and make 3 debit card transactions2
  • Credit lines from $500 to $25,0003
  • 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 categories1


Service Stations, Automated Fuel Dispensers, Electric Vehicle Charging Service

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


Grocery Stores, Supermarkets, Convenience Stores and Specialty Markets

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


Health and Beauty Spas, Gym Memberships, Exercise Equipment

Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods,, and more.

Streaming/Monthly Services

Cable, Satellite, and Other Pay Television and Radio

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


Utilities, Telecommunication and Data Utilities

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

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


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


Apply for Upgrade Card

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


Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted5


Make monthly payments

Use AutoPay for simple, automated payments


Get Rewarded

Earn up to 3% unlimited cash back everyday, on every purchase1

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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