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Upgrade Cards

Triple Cash Rewards

3% Cash back

on home, auto and health purchases1

1% Cash back

on all other purchases1
    No annual fee
    Credit lines from $500 to $25,0002
See if you have an offer with no impact to your credit score

Get unlimited cash back

3% cash back on these qualifying categories1


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% unlimited cash back on all other purchases

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 cash back rewards credit card with the predictability of a personal loan

Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded with up to 3% cash back1

Lower cost

Set payoffs so you can bring your balance down faster so you can pay less interest.

And, no annual or late fees.


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

How it works

Apply for Upgrade Card

Get a credit line from $500 to $25,0002

Tap, swipe, click and go

Use your Upgrade Card anywhere Visa is accepted4

Make monthly payments

Opt in to AutoPay for simple, automated payments

Get rewarded

Earn up to 3% unlimited cash back everyday on every purchase when you pay it back1

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

Cash back

Use your Upgrade Card to get up to 10% cash back on from your favorite brands5

From Our Customers

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Upgrade Card FAQs

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