Life Rewards
3% Cash back
on gas, grocery, streaming, and utilities11% Cash back
on all other purchases1- No annual fee
- Credit lines from $500 to $25,0002
See if you have an offer with no impact to your credit score.
$200 bonus
when you also open a Rewards Checking Preferred account and make 3 debit card transactions3$200 bonus
when you also open a Rewards Checking Preferred account and make 3 debit card transactions3Unlimited cash back on purchases1
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.

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% unlimited cash back on all other purchases
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 Visa4 is accepted to get rewarded with up to 3% cash back1
Convenient
- Set payoffs bring your balance down faster so you can pay less interest
Lower cost
And, no annual fee - Pay down balances from each month at a fixed rate on each purchase. Or pay no interest when you pay your full balance early5
Predictable
How it works
- Get a credit line from $500 to $25,0002
Apply for Upgrade Card
- Use your Upgrade Card anywhere Visa is accepted4
Tap, swipe, click and go
- Pay no interest when you pay your full balance early5
Make monthly payments
- Earn up to 3% unlimited cash back everyday on every purchase when you pay it back1
Get rewarded
Upgrade Shopping
Unlock savings on your favorite brands!
Discover offers, shop, and watch the discounts roll in.6