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Triple Cash Rewards

3% Cash back

on home, auto and health purchases1

1% Cash back

on everything else1
  • $200 bonus when you also open a Rewards Checking Plus account and make 3 debit card transactions2
  • No annual fee

Get unlimited cash back

3% Unlimited triple cash back on Home, Auto and Health categories1

Get cash back on every purchase


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

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 $25,0003


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 everyday1

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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