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
Shell, Exxon/Mobil, CircleK, Speedway, Chevron and more.
Grocery Stores, Supermarkets, Convenience Stores and Specialty Markets
Kroger, Publix, Meijer, Safeway, and more.
Health and Beauty Spas, Gym Memberships, Exercise Equipment
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.
Cable, Satellite, and Other Pay Television and Radio
Comcast, Spectrum, AT&T, Google, Netflix and more.
Utilities, Telecommunication and Data Utilities
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
Swipe, tap, insert or purchase online anywhere Visa5 is accepted to get rewarded with up to 3% cash back 1
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
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®
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.