# Up to 2% cash back on common everyday expenses  
Up to 2% cash back on common everyday expenses for [active accounts](/content/deposits/active-account/index.html) 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.