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Upgrade Cards

Life Rewards

3% Cash back

on gas, grocery, health, streaming, and utilities1

1% Cash back

on all other purchases1
hero cash rewards

3% Unlimited cash back on these qualifying categories1


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

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


Grocery Stores | Supermarkets | Convenience Stores | Specialty Markets

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


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,, and more.

Streaming/Monthly services

Cable | Satellite | Other pay Television | Radio

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


Utilities | Telecommunication | Data Utilities

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

1% Unlimited 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