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Upgrade Life Rewards

Earn 3% cash back on gas, groceries, 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 Purchases in Gas, Grocery, Health, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. 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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