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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

Get Started
  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2
  • No annual fee
  • 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 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.

See 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

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

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

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

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 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.

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
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1 Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Purchases in Gas, Grocery, Health, Streaming, and Utilities categories earn 3% cash back when you pay them back (excluding Target and Walmart); all other purchases earn 1% with no maximum. Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they primarily sell. We group similar MCCs into categories for purposes of making rewards available to you, but we do not assign MCCs. Merchants set their own MCC, therefore purchases may not fall into the category where you might expect them to appear. See merchant categories for more information. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments. 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.

2 To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

3 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 are subject to fees that would increase your finance charge and APR on those transactions. 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 draw 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.

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 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.

‡ Not all traditional credit cards charge fees. The 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34.01. The Upgrade Card charges none of these fees.

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. ACH transactions will be subject to a minimum amount, which is determined based on your total line availability. There is no minimum transaction amount when you use the Upgrade Card. For more information, please refer to the applicable 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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