Up to 2% cash back on common everyday expenses

Up to 2% cash back on common everyday expenses for active accounts with monthly $1,000+ direct deposit.
Up to $250,000 in FDIC insurance through Cross River Bank. See disclosures below.

Merchant Types with up to 2% Cash Back

Convenience and Drug Stores

Pharmacies | Drug Proprietors | General Stores | Mini-marts | Convenience Retailers
Merchant examples:
CVS, Walgreens, Rite Aid

Gas stations

Service Stations | Automated Fuel Dispensers | Electronic Vehicle | Charging Service
Merchant examples:
Shell, Chevron, ExxonMobil, Speedway

Monthly subscriptions

Movie and TV Streaming Services | Digital Music Subscriptions
Merchant examples:
Netflix, SiriusXM, Spotify, DisneyPlus

Restaurants

Restaurants | Food Delivery Apps | Miscellaneous Eateries | Coffee Shops | Food Trucks
Merchant examples:
McDonalds, UberEats, Chipotle, Starbucks

Utilities, phone

Utilities | Telecommunication | Data Utilities
Merchant examples:
AT&T, T-Mobile, Verizon Wireless, Cricket Wireless

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.