Life Rewards
3% Cash back
on gas, grocery, health, streaming, and utilities11% Cash back
on all other purchases1$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 transactions3Unlimited cash back on purchases
3% cash back on these qualifying categories1
Gas
Merchant examples:
Shell, Exxon/Mobil, CircleK, Speedway, Chevron and more.
Grocery
Merchant examples:
Kroger, Publix, Meijer, Safeway, and more.
Health
Merchant examples:
Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.
Streaming/Monthly Services
Merchant examples:
Comcast, Spectrum, AT&T, Google, Netflix and more.
Utilities
Merchant examples:
AT&T, T-Mobile, Verizon, Verizon Wireless, Sprint and more.
1% unlimited cash back on all other purchases
Target / Walmart purchases earn unlimited 1% cash back
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.1You´re in Control with Upgrade Card
Convenient
Lower cost
And, no annual fee
Predictable
How it works
Apply for Upgrade Card
Tap, swipe, click and go
Make monthly payments
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.6
From Our Customers
Upgrade on the go
Manage your account with the app
Upgrade Card FAQs
- What is Upgrade Card?
- Upgrade Card can help you make good credit decisions by combining the flexibility of a cash back rewards credit card with the predictability of a personal loan. Upgrade Life Rewards Card is our best cash back rewards card for gas, groceries, streaming services, utilities, and health purchases with unlimited 3% cash back rewards. You earn unlimited 1% cash back rewards on your other purchases when you pay them back, everyday.
- How can I use my Upgrade Card?
- You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other credit card issuers to your card or send funds to your bank account, subject to applicable fees.
- Why choose Upgrade Card instead of a credit card?
- Each statement period, your Upgrade Card transactions are combined into an installment loan with a fixed rate and term. That means you know when you’ll pay off your charges and can save on interest over time. By comparison, most cash back rewards credit cards have a low minimum monthly payment. With minimum payments, you tend to pay off less of the principal and may stay in debt for extended periods of time.
- Why choose Upgrade Card instead of a personal loan?
- With a fixed rate and term, Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a cash back rewards credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use. And with Upgrade Life Rewards Card, you get unlimited 3% cash back rewards on every gas, grocery, health, utility and streaming purchase and 1% cash back rewards on your other purchases when you pay them back, everyday.
With a personal loan, your funds are disbursed in a lump sum once you're approved. If you need additional money, you’ll need to apply again to borrow additional funds. You are responsible to pay back the full amount that you borrow, plus interest, even if you do not use the loan proceeds as you planned. And you do not get any cash back rewards on your loan payments.
- Is the Upgrade Card secured or unsecured?
- Upgrade Card is unsecured so you do not need to provide a cash or security deposit or any other collateral.
- How do I apply for an Upgrade Card?
- Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.
First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.
Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.
- Does Upgrade Card come with Visa Signature® benefits?
- All Upgrade Cards, except for Upgrade Select, offer Visa Signature benefits, including Extended Warranty, Price Protection, Roadside Dispatch, Travel and Emergency Assistance Services and Visa's Zero Liability Policy.7