Triple Cash Rewards
3% Cash back
1% Cash back
- $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…
Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.
Automotive parts, Car dealers, Car washes, Tires, Towing Services…
Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more.
Health and Beauty Spas, Gym memberships, Exercise equipment…
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, 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
Swipe, tap, insert or purchase online anywhere Visa4 is accepted to get rewarded with up to 3% cash back1
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
Earn up to 3% unlimited cash back everyday1
Plus, earn up to 10% extra cash back with Upgrade Shopping powered by Dosh®
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.