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Upgrade Life Rewards

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

on these qualifying categories

hero cash rewards
Gas

Service Stations | Automated Fuel Dispensers | Electronic Vehicle | Charging Service

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

Grocery

Grocery Stores | Supermarkets | Convenience Stores | Specialty Markets

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

Health

Bicycle Shop-Sales and Services | Chiropractors | Counseling Services - Debt, Marriage, and Personal | Dance Halls, Studios & Schools | Dentists and Orthodontists | Doctors and Physicians - Not Elsewhere Classified | Drug Stores and Pharmacies | Health and Beauty Spas | Hearing Aids - Sales, Service, and Supplies | Hospitals | Medical and Dental Laboratories | Medical Services Health Practitioners - Not Elsewhere Classified | Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | Nursing and Personal Care Facilities | Optometrists and Ophthalmologists | Orthopedic Goods and Prosthetic Devices | Osteopathic Physicians | Podiatrists and Chiropodists | Public Golf Courses | Recreation Services - Not Elsewhere Classified | Sporting Goods Stores | Sports and Riding Apparel Stores

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

Streaming/Monthly services

Cable | Satellite | Other pay Television | Radio

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

Utilities

Utilities | Telecommunication | 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

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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.

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All rights reserved.

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