Upgrade Triple Cash Rewards
Unlimited cash back on payments
Cash back
on home, auto, and health categories1
- $200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions2
- No annual fee
- Credit lines from $500 to $25,0003
- Use wherever Visa® is accepted with safe and fast contactless card technology4
Unlimited cash back on payments
3% cash back on home, auto and health categories

Home
Hardware, Home supply, Landscaping Services, Heating, Plumbing, A/C…
Merchant examples:
Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.

Auto
Automotive parts, Car dealers, Car washes, Tires, Towing Services…
Merchant examples:
Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more.

Health
Health and Beauty Spas, Gym memberships, Exercise equipments…
Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.
You´re in Control with Upgrade Card
Convenient
Swipe, tap, insert or purchase online anywhere Visa3 is accepted to get rewarded1
Lower Cost
Set payoffs bring your balance down faster so you can pay less interest
And, no annual or late fees
Predictable
Pay down balances from each month at a fixed rate and term
How it Works
1
Apply for Upgrade Card
Get a credit line from $500 to $25,0001
2
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted3
3
Make monthly payments
Opt in to AutoPay for simple, automated payments
4
Get rewarded
Earn 3% unlimited cash back everyday on Home, Health and Auto purchases
Plus, earn up to 10% cash back with Upgrade Shopping powered by Dosh®
Activate Upgrade Shopping offers from participating merchants via your account dashboard.5 Then shop online through Dosh or at stores, using your Upgrade card. You can get up to 10% cash back as a statement credit on qualifying purchases.
And Upgrade Shopping cash back is earned in addition to other Upgrade Card rewards.