# Cash Rewards

## 1.5% Cash back

rewards on all purchases [1](/content/upgrade-card/#cash-back-short/index.html)

- 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 [2](/content/upgrade-card/#welcome-bonus-pcl/index.html)

## Find the Upgrade Card That's Right for You

### Life Rewards

3% CASH BACK ON GAS, GROCERIES & MORE
No annual fee

[Learn more](/content/upgrade-card/life-rewards/index.html)

### Cash Rewards

UNLIMITED 1.5% CASH BACK
NO ANNUAL FEE

[Learn more](/content/upgrade-card/cash-rewards/index.html)

### Upgrade Select

GET THE CREDIT YOU NEED
$39 ANNUAL FEE

[Learn more](/content/upgrade-card/select-card/index.html)

## 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 [3](/content/upgrade-card/#not-atm-card/index.html) is accepted to get rewarded

### Lower cost

Set payoffs so you can bring your balance down faster so you can pay less interest. And, no annual fee [4](/content/upgrade-card/#upgrade-select-fee/index.html)

### Predictable

Pay down balances from each month at a fixed rate on each purchase

## Save on interest over time with Upgrade Card

Each Upgrade Card balance has a fixed rate and term so you know when you pay off your balance and can save on interest. Traditional credit cards can keep you in debt with minimum payments that pay back little of the principal balance.

Bring your balance down faster to pay less interest

Interest paid on a $5,000 balance with Upgrade Card vs. Traditional Credit Card when making a monthly minimum payment

|  | Upgrade Card | Traditional Credit Card |
| --- | --- | --- |
| Monthly Payment | $196.13iii | $145.83i |
| Time to pay off the balance | 3 yearsiii | 23 yearsii |
| Interest paid over that time | $2,060.20iii | $8,929.28ii |

i. The minimum payment on a traditional credit card would begin at $145.83 for the first payment and would vary, and decreases, as it's paid down.

ii. Calculated using a [minimum monthly payment calculator](https://www.bankrate.com/calculators/managing-debt/minimum-payment-calculator.aspx/), assuming a $5,000 starting balance, “interest + 1%” minimum payment and an interest rate of 23.00%, which is approximately equal to the national average rate for accounts assessed interest, as of November 2024 ( [Source](https://wallethub.com/edu/cc/credit-card-landscape-report/24927)).

iii. Total interest of $2,060.20 assumes a $5,000 purchase and installment payments of $196.13 for 36 months. Installment payments calculated with 23.00% APR and 36-month term accounting for interest accrued between the charge date and the due date 51 days later.

## 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 [3](/content/upgrade-card/#not-atm-card/index.html)

### Make monthly payments

Use AutoPay for simple, automated payments

### Get rewarded

Earn unlimited cash back everyday on every purchase when you pay it back.

See How It Works In This Video

### Unlock savings on your favorite brands!

Discover offers, shop, and watch the discounts roll in. [5](/content/upgrade-card/#upgrade-shopping/index.html)

## Chip enabled contact-less Upgrade Card

No touch payment is fast, safe, and hassle-free.

### **Pay with your phone or device by using Apple Pay® or Google Wallet™.**

## Need Help?

Email us at

[support@upgrade.com](mailto:support@upgrade.com)

Or call us at

[(844) 319-3909](tel:+18443193909)

Monday - Friday, 5:00 AM - 7:00 PM PT

Saturday - Sunday, 6:00 AM - 5:00 PM PT