Triple Cash Rewards
3% Cash back
on home, auto and health purchases11% 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
$200 bonus
when you also open a Rewards Checking Plus account and make 3 debit card transactions3$200 bonus
when you also open a Rewards Checking Plus account and make 3 debit card transactions3Get unlimited cash back on purchases1
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 memberships, Exercise equipment…
Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.
1% unlimited cash back on all other purchases
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
Convenient
- Set payoffs so you can bring your balance down faster so you can pay less interest
Lower cost
And, no annual fee
- Pay down balances from each month at a fixed rate on each purchase
Predictable
How it works
- Get a credit line from $500 to $25,0002
Apply for Upgrade Card
- Use your Upgrade Card anywhere Visa is accepted4
Tap, swipe, click and go
- Opt in to AutoPay for simple, automated payments
Make monthly payments
- Earn up to 3% unlimited cash back everyday on every purchase when you pay it back1
Get rewarded
Upgrade Shopping
Up to 10% cash back at 1,000s of stores
Use your Upgrade Card to get up to 10% cash back from your favorite brands.5