Skip to content

What is Extra Spending Power? (Accounts opened before April 6, 2026)

Customers who link their Rewards Checking, Rewards Checking Plus, or Rewards Checking Preferred account (“Rewards Checking Account”) through Upgrade to the Pay Now feature of their Upgrade OneCard, maintain a positive available balance in their Rewards Checking account, and maintain their Upgrade OneCard in good standing, can tap into Extra Spending Power. It is important to note that Extra Spending Power is not available if a third party bank account is set as the Pay Now method.

Extra Spending Power increases the amount of a customer’s Available to Spend for purchases and is generally determined by the available balance that the customer has in their Rewards Checking account, up to a maximum of $5,000.

*Upgrade OneCard with a Secured Account customers can unlock Extra Spending Power by setting the Pay Now payment method with either their Rewards Checking Account or Secured Account. In either scenario, the Extra Spending amount will be the available balance in the Rewards Checking Account.

Articles in this section

See more