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Upgrade Triple Cash Rewards

Unlimited Cash Back on Payments

3%cash back

on Home, Auto and Health Categories1

1%cash back

on everything else1

Get Started

  • $200 bonus when you open a Rewards Checking account and make 3 debit card transactions2

  • No fees

  • Credit lines from $500 to $25,0003

  • Use wherever Visa® is accepted with safe and fast contactless card technology4

Unlimited Cash Back on Payments

3% cash back on Home, Auto and Health Categories, 1% cash back on everything else1

3% Cash Back
on these qualifying categories
Home

Hardware, Home supply, Landscaping Services, Heating, Plumbing, A/C…

Merchant examples:
Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.

Auto

Automotive parts, Car dealers, Car washes, Tires, Towing Services…

Merchant examples:
Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more.

Health

Health and Beauty Spas, Gym membership, Exercise equipments…

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

See 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.1

You´re in Control with Upgrade Card

Combine the flexibility of a credit card with the predictability of a personal loan
Convenient

Convenient

Unlimited 3% cash back on payments when you make purchases in Home, Auto, and Health categories. 1% cash back on all other purchases.1

Lower Cost

Lower Cost

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

Predictable

Predictable

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 $25,0003 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.1 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 payments1

Plus, earn up to 10% extra cash back from select merchants 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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1 Cash back rewards are earned after you pay eligible purchases back. Your cash back will typically be applied to your balance after your next scheduled monthly payment. Purchases in Home, Auto, and Health categories earn 3% cash back when you pay them back; all other purchases earn 1% with no maximum. Merchants are assigned a merchant category code (MCC) based on the kinds of products and services they primarily sell. We group similar MCCs into categories for purposes of making rewards available to you, but we do not assign MCCs. Merchants set their own MCC, therefore purchases may not fall into the category where you might expect them to appear. See merchant categories for more information. Cash back rewards will be applied to your balance but will not otherwise reduce the amount of your regular monthly payments.. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.

2 To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

3 Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. The APR on your draw may be higher or lower. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement.

4 The Upgrade Card cannot be used at an ATM.

5 With Upgrade Shopping powered by Dosh® you get cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice.
After a qualifying purchase has settled, your cash back will typically be applied to your balance within 90 days. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments.
If you return, charge back, cancel, dispute, or otherwise request a refund for a qualifying purchase for which you have already received Upgrade Shopping cash back, we reserve the right to remove any related cash back amount from your Upgrade Card or withhold future cash back to cover any such amount. To opt-out of the Upgrade Shopping program, please email upgrade customer service at support@upgrade.com. Please note that an opt out is permanent and will apply to any Upgrade Shopping account(s) you have at the time of such opt out and any new account you may open in the future through Upgrade that is eligible for Upgrade Shopping (i.e., such new account will not be enrolled in the Upgrade Shopping program and you will not be able to accrue any rewards under this program on any of your existing or future accounts through Upgrade).
For full cash back shopping terms, please review the Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy.

† If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. ACH transactions will be subject to a minimum amount, which is determined based on your total line availability. There is no minimum transaction amount when you use the Upgrade Card. For more information, please refer to the applicable Personal Credit Line Agreement.

‡ Not all traditional credit cards charge fees. However, creditcards.com's 2018 Credit Card Fee Survey found that the average number of fees per card is 4.5. For example, the 2019 U.S. News Consumer Credit Card Fee Study found that the average annual fee (including cards with no annual fee) is $35.23, the average late fee is $36.34 and the average returned payment fee is $34.01. The Upgrade Card charges none of these fees. Over 90 percent of cards charge balance transfer fees and cash advance fees. The Upgrade Card enables you to transfer cash from your Personal Credit Line to your bank account with no fees.

Copyright 2022 Upgrade, Inc.
All rights reserved.

Personal Credit Lines are issued by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. All Upgrade Cards are issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info.

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