1 Purchases accrue unlimited 1.5% cash back when you pay them back. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.
2 Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. Optional ACH transfers to your bank account, balance transfers, ATM withdrawals, if available, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to an approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
3 To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
4 Except for Upgrade OneCard, Upgrade Card cannot be used at an ATM.
5 To obtain access to your credit line, Upgrade Select cardholders will be charged a $39 annual fee at account opening and subsequent annual fees on each anniversary thereafter. The fee is non-refundable and applies whether or not you use your Upgrade Card. It will be paid as a draw on your credit line, billed in twelve (12) equal monthly installments with no interest, and will reduce the amount of credit you have available. Please refer to your Personal Credit Line Agreement for more information.
6 With Upgrade Shopping powered by Dosh® you accrue cash back on qualifying purchases at participating merchants. For the current list of participating merchants and offers available to you, go to Upgrade Shopping on your account dashboard. Participating merchants and offer terms may be changed from time to time without notice. For full cash back shopping terms, please review the Upgrade Shopping Program Terms and Conditions and Upgrade Shopping Powered by Dosh Terms of Service and Dosh Privacy Policy.
Purchases in Gas, Grocery, Health, Streaming, and Utilities categories accrue 3% cash back with no maximum when you pay them back (excluding Target and Walmart); all other purchases accrue 1% with no maximum. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.
You will accrue cash back rewards when you pay eligible purchases back. To get 3% or 2% cash back on your Upgrade OneCard, you must open a Rewards Checking or Rewards Checking Plus account through Upgrade (“Rewards Checking Account”) and either (i) activate Pay Now Purchases on your OneCard and keep it linked to your Rewards Checking account or (ii) maintain each month a qualifying active Rewards Checking Account as described here. If you meet these conditions, you will accrue 3% cash back for common everyday OneCard purchases at convenience stores, drugstores, restaurants and bars—including deliveries—and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services; you will accrue 2% cash back for all other OneCard purchases. 3% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 2% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on applicable merchant categories. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program’s Terms and Conditions.
Pay Now is an optional feature of OneCard that allows you to designate specific purchases or ATM transactions to be automatically paid off the day after the transaction settles. To make use of Pay Now, you must (1) activate the “Pay Now Purchases” setting and tell us which purchase amounts you would like to designate as Pay Now (for example, all purchases of $25 or less) and/or (2) activate the “ATM Access” setting, which will treat all ATM transactions as Pay Now regardless of the transaction amount. If you do not activate ATM Access, any request for an ATM transaction will be declined. Each transaction will be processed as a credit transaction, but while you will not be charged interest on any transactions that you pay off using Pay Now, transactions designated as Pay Later will accrue interest as described in your Personal Credit Line Agreement. Even after you make a purchase or ATM transaction, you may change the designation of that transaction from Pay Now to Pay Later, or vice versa, up until 12pm Pacific Time the day after the transaction settles. Every day at 12pm Pacific Time, we will initiate one-time debits to your designated bank account to pay off the prior day’s settled transactions that were designated as Pay Now. If any debit fails from the primary bank account that is designated in your Pay Now standing authorization, the debit will be initiated from the secondary bank account that is designated (if any) therein. You may cancel a Pay Now payment up until 12pm Pacific Time by simply changing that day’s Pay Now transactions to Pay Later through your Upgrade dashboard or mobile app. If a Pay Now debit is returned by your bank, we will switch the underlying transactions to Pay Later, and those transactions will accrue interest as of the original transaction date. Designating a transaction as Pay Later gives you the flexibility to pay balances back over time with a fixed payment period.
If there are changes to your credit score or other risk factors, or changes to market conditions, the availability of your remaining credit, the interest rate, and length of the credit offered may be adjusted for future transactions. The interest rate on your existing balances will never change. ACH transactions will be subject to a minimum amount, which is determined based on your total line availability. There is no minimum transaction amount when you use the Upgrade Card. For more information, please refer to the applicable Personal Credit Line Agreement.
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