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Upgrade OneCard

Upgrade OneCard

With Rewards Checking
Finally one card for everything! All with no annual fee.
Simplify your wallet
    Get rewards on all your purchases
    Pay now or pay later, you decide
Terms Apply
one card

Get more cash back when combined with Rewards Checking1

Cash back on purchases when you pay them back2
on everyday purchases

3%

cash back

on everyday purchases

on all other purchases

2%

cash back

on all other purchases

Without Rewards Checking get

1.5% cash back

on purchases when you pay them back

There's more, really!

Terms Apply
Bonus Time!

$200 welcome bonus

when you start using a new Rewards Checking account and make 3 purchases.3

upgrade customers can select which purchases to pay now and which to pay later

Control your budget

Pay Now
Money comes directly from your bank account to pay off your purchase the day after it settles – with no interest but all of the rewards.
Pay Later
Spread out the cost of your purchases over time with predictable monthly payments.
set a pay now limit and earn rewards with your purchases

Okay, how?

Terms Apply
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Need Help?

Email us at

support@upgrade.com

Or call us at

(844) 319-3909

Monday - Friday, 5am - 7pm PT
Saturday - Sunday, 6am - 5pm PT

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

Not for payments. Payment address can be found here.

For inquiries, contact us at
moc.edargpu@tcatnoc

1 You are not required to open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) to get OneCard. You may choose during the application process whether you wish to open a Rewards Checking Account; that choice has no bearing on your likelihood of approval. If you are approved for OneCard, when you activate your card, you may choose to link the Pay Now feature to a deposit account from your bank of choice. If you link the Pay Now feature to an external deposit account, your cash back rewards will be lower—1.5% across all purchases, earned after you make repayments—and you will not be eligible for Extra Spending Power.

2 You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking Account or the Secured Account associated with your OneCard, if applicable, or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars—including deliveries—and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

3 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying purchases on your Upgrade OneCard and/or Rewards Checking Plus debit card within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade OneCard and Rewards Checking Plus account must be open and in good standing to receive a bonus. Transactions must have settled and non-purchase transactions, such as ACH transfers or ATM transactions, do not qualify. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

4 Pay Now is an optional feature of OneCard that allows you to designate specific purchases or ATM transactions to be automatically paid off the day after the transaction settles. To make use of Pay Now, you must (1) activate the “Pay Now Purchases” setting and tell us which purchase amounts you would like to designate as Pay Now (for example, all purchases of $25 or less) and/or (2) activate the “ATM Access” setting, which will treat all ATM transactions as Pay Now regardless of the transaction amount. If you do not activate ATM Access, any request for an ATM transaction will be declined. Each transaction will be processed as a credit transaction, but while you will not be charged interest on any transactions that you pay off using Pay Now, transactions designated as Pay Later will accrue interest as described in your Personal Credit Line Agreement. Even after you make a purchase or ATM transaction, you may change the designation of that transaction from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after the transaction settles. Every day at 12pm Pacific Time, we will initiate one-time debits to your designated bank account to pay off the prior day’s settled transactions that were designated as Pay Now. If any debit fails from the primary bank account that is designated in your Pay Now standing authorization, the debit will be initiated from the secondary bank account that is designated (if any) therein. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now transactions to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now debit is returned by your bank, we will switch the underlying transactions to Pay Later, and those transactions will accrue interest as of the original transaction date. Designating a transaction as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.

You may be granted Extra Spending Power if you have a Rewards Checking or Rewards Checking Plus account (“Rewards Checking Account”), designate the Rewards Checking Account or the Secured Account associated with your Upgrade OneCard, if applicable, as the primary source of payments for the Pay Now Purchases feature of your OneCard, maintain a positive available balance in the Rewards Checking Account, and maintain your OneCard and Rewards Checking accounts in good standing. If you meet these conditions, the amount of your Extra Spending Power is generally determined by your Rewards Checking Account balance, with a larger deposit balance generally correlating to a higher Extra Spending Power, up to a maximum of $5,000. The Extra Spending Power supplements your Credit Limit to increase the amount of your Available to Spend for purchases and ATM transactions. We reserve the right to raise or lower the Extra Spending Power maximum from time to time in our sole discretion subject to compliance with applicable law. If you qualify for Extra Spending Power and you make a purchase or ATM transaction that causes your OneCard balance to exceed your Credit Limit, the amount of the transaction that exceeds your Credit Limit will be processed as a Pay Now transaction, even if the total amount of the transaction would otherwise be processed as a Pay Later transaction based on your Pay Now settings.

Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. The lowest rates require Autopay and the majority of the line amounts will be $15,000 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. Optional ACH transfers to your bank account, balance transfers, ATM withdrawals (if available), and foreign transactions are subject to applicable fees that, if incurred, will increase your finance charge and APR. Late fees and insufficient funds fees may apply. 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 an approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.

With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full cash back shopping terms, please review the Upgrade Shopping Program Terms and Conditions and 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. For more information, please refer to your Personal Credit Line Agreement.

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All rights reserved.

All loans, Personal Credit Lines, and checking and savings accounts are provided by Upgrade's bank partners. Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses and does business under the following DBAs. Upgrade is a financial technology company, not a bank.

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