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MyFive Cash Rewards

5% Cash back

on purchases in the category of your choice1

1% Cash back

on all other purchases1
hero cash rewards

5% cash back rewards in the category of your choice1

Choose your 5% category each month

Earn 5% on up to $1,500 in quarterly spend

Groceries

Grocery Stores | Supermarkets | Convenience Stores | Specialty Markets

Merchant examples:
Kroger, Publix, Meijer, Safeway, and more.

TV, Internet and Streaming Services

Cable | Satellite | Other pay Television | Radio

Merchant examples:
Netflix, Spectrum, Comcast, Spotify and more.

Dining

Cafes, Restaurants | Cafeterias | Diners | Eating | Establishments | Restaurants | Soda Fountains | Quick Service Restaurants | Vending Machines | Food Sandwich Shops | Ice Cream Shops | Coffee Shops | Yogurt Shops | Pretzel Stands | Food Delivery Services

Merchant examples:
McDonald’s, Starbucks, UberEats, Waffle House and more.

Gas and EV Charging Stations

Service Stations | Automated Fuel Dispensers | Electronic Vehicle | Charging Service

Merchant examples:
Shell, Exxon/Mobil, Chevron and more.

Travel

Airlines | Air Carriers | Hotels | Motels | Resorts | Central Reservation Services

Merchant examples:
American Airlines, Marriott, Hilton, Delta Airlines and more.

Cell Phone Providers

Telecommunication Services | Cellular Telephone Service

Merchant examples:
AT&T, T-Mobile, Verizon Wireless, Sprint and more.

Pet Care and Stores

Animal Doctors | Animal Hospitals Animal Clinics | Pet Hospitals | Pet Clinics Services | Veterinary Services | Pet Shops | Pet Foods | Supplies Stores

Merchant examples:
Veterinarian visits, Chewy.com, Pet Smart and more.

Home Utilities

Electric Utilities | Garbage Collectors | Public Utilities | Sanitary Utilities | Gas Utilities | Waste Management Services | Water Utilities

Merchant examples:
Duke Energy, Pacific Gas and Electric, Con Edison, and more.

Drug Stores

Drug Stores | Pharmacies

Merchant examples:
Walgreens, CVS, RiteAid, and more.

1% cash back on all other purchases

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

Get Started

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1 Purchases in your selected merchant category, up to $1,500 each quarter, accrue 5% cash back when you pay them back; all other purchases accrue 1% cash back with no maximum. After $1,500 in quarterly purchases in your selected merchant category, purchases in your selected category will accrue 1% cash back with no maximum. Upon account opening, the default merchant category is Dining. Merchant category changes can be made on your Account Dashboard once a calendar month and will take effect on the next calendar day. If you do not update your merchant category for the month, your merchant category will remain the same as the prior month. Get more information on merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

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. For more information, please refer to your Personal Credit Line Agreement.

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All rights reserved.

Personal Credit Lines are issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners. Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Checking and savings accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank.

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