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MyFive Cash Rewards

5% Cash back

on purchases in the category of your choice1

1% Cash back

on all other purchases1
hero cash rewards

5% cash back rewards in the category of your choice1

Choose your 5% category each month

Earn 5% on up to $3,000 in quarterly spend


Grocery Stores | Supermarkets | Convenience Stores | Specialty Markets

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

TV, Internet and Streaming Services

Cable | Satellite | Other pay Television | Radio

Merchant examples:
Netflix, Spectrum, Comcast, Spotify and more.


Cafes, Restaurants | Cafeterias | Diners | Eating | Establishments | Restaurants | Soda Fountains | Quick Service Restaurants | Vending Machines | Food Sandwich Shops | Ice Cream Shops | Coffee Shops | Yogurt Shops | Pretzel Stands | Food Delivery Services

Merchant examples:
McDonald’s, Starbucks, UberEats, Waffle House and more.

Gas and EV Charging Stations

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

Merchant examples:
Shell, Exxon/Mobil, Chevron and more.


Airlines | Air Carriers | Hotels | Motels | Resorts | Central Reservation Services

Merchant examples:
American Airlines, Marriott, Hilton, Delta Airlines and more.

Cell Phone Providers

Telecommunication Services | Cellular Telephone Service

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

Pet Care and Stores

Animal Doctors | Animal Hospitals Animal Clinics | Pet Hospitals | Pet Clinics Services | Veterinary Services | Pet Shops | Pet Foods | Supplies Stores

Merchant examples:
Veterinarian visits,, Pet Smart and more.

Home Utilities

Electric Utilities | Garbage Collectors | Public Utilities | Sanitary Utilities | Gas Utilities | Waste Management Services | Water Utilities

Merchant examples:
Duke Energy, Pacific Gas and Electric, Con Edison, and more.

Drug Stores

Drug Stores | Pharmacies

Merchant examples:
Walgreens, CVS, RiteAid, and more.

1% cash back on all other purchases

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

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

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