Upgrade Triple Cash Rewards

Unlimited Cash Back on Payments

3%cash back
on Home, Auto and Health Categories*
1%cash back
on everything else*
Get Started
  • 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

3% cash back on Home, Auto and Health Categories, 1% cash back on everything else*
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.*

You´re in Control with Upgrade Card

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

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

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Lower Cost

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

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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 $25,000** 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.* 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 payments*

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* Cash back rewards are earned when 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. For more information on merchant categories, please click here. Cash back rewards applied to your balance will not satisfy or reduce your regular monthly payments. 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. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.

** Credit Lines opened through Upgrade feature APRs of 8.99% - 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 can not be used at an ATM.

† If there are changes to your credit score or other risk factors based on a soft inquiry, 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 terms on your existing balances will never change. You will be given the opportunity to accept new terms before requesting future transactions if you wish to continue using your line. Transactions will be subject to a minimum draw amount, which is determined based on your total line availability. There is no minimum draw amount when you use the Upgrade Card. Based on the amount you spend in total we may ask you to confirm a new line agreement to continue to provide you with additional credit.

‡ 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 2021 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. The Upgrade Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Get more info.

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