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Upgrade Triple Cash Rewards Card Details - 3% Cash Back

Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; purchases made outside of these categories do not accrue cash back. Get more information on merchant categories below. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.

Merchant Categories*

Home: Air Conditioning and Refrigeration Repair Shops | Carpentry | Carpet and Upholstery Cleaning | Construction Materials Not Elsewhere Classified (Business to Business MCC) | Contractors, Concrete | Drapery, Window Covering, and Upholstery Stores | Durable Goods Not Elsewhere Classified (Business to Business MCC) | Electrical Contractors | Equipment, Tool, Furniture, and Appliance Rental and Leasing | Fireplaces, Fireplace Screens and Accessories Stores | Floor coverings, Rugs | Furniture - Reupholster, Repair, and Refinishing | Furniture, Home Furnishings, and Equipment Stores, except Appliances | General Contractor/Residential Building | Glass, Paint, and Wallpaper Stores | Hardware Stores, Equipment Utilities Regulated | Hardware, Plumbing, Heat Equipment and Supplies (Business to Business MCC) | Heating, Plumbing, Air Conditioning Contractors | Home Supply Warehouse | Household Appliance Stores | Landscaping and Horticultural Services | Lumber & Building Materials Stores | Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors | Miscellaneous Home Furnishing Specialty Stores | Nurseries and Lawn and Garden Supply Stores | Paints, Varnishes and Supplies (Business to Business MCC) | Plumbing and Heating Equipment and Supplies (Business to Business MCC) | Roof, Siding, and Sheet Metal Work Contractors | Special Trade Contractor - Not Elsewhere Classified | Swimming Pools--Sales, Supplies, and Services

Merchant examples: Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more.

Auto: Automobile Rental Agency | Automotive Paint Shops | Automotive Service Shops (Non-Dealer) | Automotive Tire Stores | Automotive Top & Body Shops | Camper, Recreational and Utility Trailer Dealers | Car and Truck Dealers (New and Used) — Sales, Service, Repairs, Parts, and Leasing | Car and Truck Dealers (Used) — Sales, Service, Repairs, Parts, and Leasing | Car Washes | Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers — Not Elsewhere Classified | Mobile Home Dealer | Motor Home and Recreational Vehicle Rentals | Motor Home Dealers | Motor Vehicle Supplies and New Parts (Business to Business MCC) | Motorcycle Dealers | Snowmobile Dealers | Tire Retreading & Repair | Towing Services | Truck and Utility Trailer Rentals

Merchant examples: Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more.

Health: Bicycle Shop-Sales and Services | Chiropractors | Counseling Services - Debt, Marriage, and Personal | Dance Halls, Studios & Schools | Dentists and Orthodontists | Doctors and Physicians - Not Elsewhere Classified | Drug Stores and Pharmacies | Health and Beauty Spas | Hearing Aids--Sales, Service, and Supplies | Hospitals | Medical and Dental Laboratories | Medical Services Health Practitioners - Not Elsewhere Classified | Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses | Nursing and Personal Care Facilities | Optometrists and Ophthalmologists | Orthopedic Goods and Prosthetic Devices | Osteopathic Physicians | Podiatrists and Chiropodists | Public Golf Courses | Recreation Services - Not Elsewhere Classified | Sporting Goods Stores | Sports and Riding Apparel Stores

Merchant examples: Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more.

*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.

Rates, Fees and Terms

Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% based on creditworthiness. The lowest rates require Autopay. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Balance transfers are subject to a fee of up to 5% per transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment 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 your 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.

Upgrade Shopping 

With Upgrade Shopping, you can redeem purchase offers from participating merchants. For the current list of 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 Upgrade Shopping terms, please review the Upgrade Shopping Terms and Conditions.

Visa's Zero Liability Policy

With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made using your Upgrade Card or card information, when you report them promptly. This does not apply to transactions not processed by Visa. Terms apply. For more information, please refer to your Cardholder Agreement.

ATM Acceptance

Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.

*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.

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