Life Rewards
3% Cash back
on gas, groceries, streaming, and utilities
1% Cash back
on all other purchases
- No annual fee
- Check for an offer with no credit score impact
$200 bonus
when you also open a Rewards Checking Preferred account and make 3 debit card transactions
Get unlimited cash back on purchases
3% cash back on these qualifying categories
Gas
Service Stations, Automated Fuel Dispensers, Electric Vehicle Charging Service
Merchant examples: Shell, Exxon/Mobil, CircleK, Speedway, Chevron and more.
Groceries
Grocery Stores, Supermarkets, Convenience Stores and Specialty Markets
Merchant examples: Kroger, Publix, Meijer, Safeway, and more.
Streaming/Monthly Services
Cable, Satellite, and Other Pay Television and Radio
Merchant examples: Comcast, Spectrum, AT&T, Google, Netflix and more.
Utilities
Utilities, Telecommunication and Data Utilities
Merchant examples: AT&T, T-Mobile, Verizon, Verizon Wireless, Sprint and more.
1% unlimited cash back on all other purchases
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.
You're in control with Upgrade Card
Combine the flexibility of a cash back rewards credit card with the predictability of a personal loan
Convenient
Swipe, tap, insert or purchase online anywhere Visa is accepted to get rewarded with up to 3% cash back1

Lower cost
Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual fee
Predictable
Pay down balances from each month at a fixed rate on each purchase. Or pay no interest when you pay your full balance early
How it Works
Apply for Upgrade Card
Check for an offer with no credit score impact
Tap, swipe, click and go
Use your Upgrade Card anywhere Visa is accepted
Make monthly payments
Use AutoPay for simple, automated payments
Get rewarded
Earn up to 3% unlimited cash back everyday on every purchase when you pay it back
Unlock savings on your favorite brands!
Discover offers, shop, and watch the discounts roll in.






