Upgrade Triple Cash Rewards

Unlimited Cash Back on Payments

3%cash back
on Home, Auto and Health Categories*
1%cash back
on everything else*
  • No fees

  • Credit lines from $500 to $25,000**

  • Use wherever Visa® is accepted with safe and fast contactless card technology***

Unlimited Cash Back on Payments

3% cash back on Home, Auto and Health Categories, 1% cash back on everything else*
3% Cash Back
on these qualifying categories

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, Tires.com, Mavis Tire, and more.


Health and Beauty Spas, Gym membership, Exercise equipments…

Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, 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.*

You´re in Control with Upgrade Card

Combine the flexibility of a credit card with the low cost and 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 purchases.*

Lower Cost

Lower Cost

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



Pay down balances from each month at a fixed rate with equal monthly payments

How it Works

Green Upgrade card with contactless symbol and Visa logo
  1. Get your Upgrade Card

    Apply online and get a credit line from $500 to $25,000** with your Upgrade Card

  2. 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.* Or have funds sent to your bank account

  3. Pay it down

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

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at

For other inquiries, contact us at