Life Rewards

3% Cash back

on gas, groceries, streaming, and utilities 1

1% Cash back

on all other purchases 1

• 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

Get unlimited cash back on purchases 1

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.

Learn 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. 1

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 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 4

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

Make monthly payments

Use AutoPay for simple, automated payments 4

Get rewarded

Earn up to 3% unlimited cash back everyday on every purchase when you pay it back 1

Upgrade Shopping

Discover offers, shop, and watch the discounts roll in. 5

Upgrade Card FAQs

What is Upgrade Card?

Upgrade Card can help you make good credit decisions by combining the flexibility of a cash back rewards credit card with the predictability of a personal loan. Upgrade Life Rewards Card is our best cash back rewards card for gas, groceries, streaming services, and utilities purchases with unlimited 3% cash back rewards. You earn unlimited 1% cash back rewards on your other purchases when you pay them back, everyday.

How can I use my Upgrade Card?

You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa® is accepted. You can also transfer credit card balances from other credit card issuers to your card, subject to applicable fees.

Why choose Upgrade Card instead of a personal loan?

Upgrade Card gives you the predictability of a personal loan, plus the flexibility of a cash back rewards credit card. You can use your Upgrade Card to swipe, tap, insert or purchase online everywhere Visa is accepted. You have access to funds up to the full line amount, but you only pay interest on the amount that you use. And with Upgrade Life Rewards Card, you get unlimited 3% cash back rewards on every gas, grocery, utility and streaming purchase and 1% cash back rewards on your other purchases when you pay them back, everyday.

Is the Upgrade Card secured or unsecured?

Upgrade Card is unsecured so you do not need to provide a cash or security deposit or any other collateral.

How do I apply for Upgrade Card?

Applying for your Upgrade Card is simple and quick. And you can check for an offer with no impact to your credit score or credit report.

First, provide some basic information about yourself and grant us permission to pull your credit report from one or more consumer reporting agencies. This credit pull is a soft inquiry, so it won’t harm your credit.

Then we'll show you if you are pre-approved for Upgrade Card. If you are pre-approved, you will see your offer, which includes your credit line amount, APR and draw length.

Does Upgrade Card come with Visa Signature® benefits?

All Upgrade Cards, except for Upgrade Select, offer Visa Signature benefits, including Extended Warranty Protection, Price Protection, Roadside Dispatch, Travel and Emergency Assistance Services and Visa's Zero Liability Policy. 6