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Upgrade Triple Cash Rewards

Unlimited cash back on payments
3%Cash back

on Home, auto and health categories1

1%Cash back

on everything else1

  • $200 bonus when you open a Rewards Checking 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

1% cash back on everything else1


Hardware, Home supply, Landscaping Services, Heating, Plumbing, A/C…

Merchant examples:
Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.


Automotive parts, Car dealers, Car washes, Tires, Towing Services…

Merchant examples:
Tractor Supply Co, Discount Tire, Firestone,, Mavis Tire, and more.


Health and Beauty Spas, Gym memberships, Exercise equipment…

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

1% Cash Back on everything else

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

You´re in Control with Upgrade Card

Combine the flexibility of a credit card with the predictability of a personal loan

Unlimited 3% cash back on payments when you make purchases in Home, Auto, and Health categories. 1% cash back on all other purchases1

Lower Cost

No annual or late fees and set payoffs bring your balance down faster so you can pay less interest‡


Pay down balances from each month at a fixed rate and term

How it Works


Get your Upgrade Card

Apply online and get a credit line from $500 to $25,0003 with your Upgrade Card


Make purchases or get funds sent to your account

Pay with Upgrade Card at retail locations and online and earn 3% cash back in Home, Auto, and Health purchases and 1% on all other purchases when you pay them back.1 Or have funds sent to your bank account


Pay it down

Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments1

Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®

Cash back

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.

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