Skip to content

Upgrade OneCard 2% / 1.5% Cash Back Rewards (Accounts opened before April 6, 2026)

You will accrue cash back rewards when you pay eligible purchases back. To get 2% cash back on your Upgrade OneCard, you must open a Rewards Checking Preferred account through Upgrade and either (i) activate Pay Now Purchases on your Upgrade OneCard and keep it linked to your Rewards Checking Preferred Account or the Secured Account associated with your Upgrade OneCard, if applicable, or (ii) maintain each month a qualifying active Rewards Checking Preferred Account as described here. If you meet these conditions, you will accrue 2% cash back for common everyday Upgrade 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 1.5% cash back for all other Upgrade OneCard purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, you will accrue 1.5% cash back. If you do not meet the above conditions, you will accrue 1.5% cash back for all purchases. Get more information on merchant categories below. Certain limitations apply. For more information on the Upgrade Cash Back Rewards Program, please see the program's Terms and Conditions.

Merchant Categories*

2% Cash Back for active Rewards Checking Preferred account holders on these qualifying categories: Airports, Airport Terminals, Flying Fields | Telecommunications Equipment including telephone sales | Fax services, Telecommunication Services | Cable and other pay television | Electric Gas, Sanitary and Water Utilities | Drugs, Drug Proprietors, and Druggist’s Sundries | Dairy Products Stores | Bakeries | Misc. Food Stores - Convenience Stores and Specialty Markets | Service Stations (with or without ancillary services) | Automated Fuel Dispensers | Caterers | Eating places and Restaurants | Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | Fast Food Restaurants | Drug Stores and Pharmacies | Package Stores - Beer, Wine, and Liquor

1.5% Cash Back for active Rewards Checking Preferred account holders on all other purchases

1.5% Cash Back for non–active Rewards Checking Preferred account holders on all purchases

*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.

Articles in this section

See more