Upgrade Triple Cash Rewards
Unlimited Cash Back on Payments
- 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
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.
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
Convenient
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
No fees and set payoffs bring your balance down faster so you pay less interest ‡
Predictable
Pay down balances from each month at a fixed rate with equal monthly payments
How it Works

Get your Upgrade Card
Apply online and get a credit line from $500 to $25,000** with your Upgrade CardMake 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 accountPay it down
Make monthly payments, which can be debited directly from your bank account, and get your unlimited cash back on payments*