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REWARDS CHECKING PLUS

NO MONTHLY FEE CHECKING ACCOUNT WITH CASH BACK


Up to 2% cash back on purchases1

Add Performance Savings to earn up to 5.02% APY2

Open Account
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Rewards Checking Plus is FDIC-insured up to $250,000 through Cross River Bank,
Member FDIC.


borrow up to $50,000

Personal Loans


EARN UP TO 3% CASH BACK

See All Upgrade Cards


PAY NOW OR PAY LATER

OneCard


earn 5.02% APY WITH NO FEES

Premier Savings


up to 2% CASH BACK AND NO FEES

Rewards Checking Plus


Discover ways to save

Auto Refinance



5M+

Customers


$31B

Borrowed


40K+

Reviews



REWARDS
CHECKING PLUS

No monthly fee checking account with cash back


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No monthly fees



 * Up to 2% cash back on purchases1
 * Get paid up to two days early with direct deposit3


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PERSONAL LOANS

Get the funds you need – sent directly to your bank account – within a day of
clearing verifications


Check Your Rate
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Achieve more with fast funding†



 * Fixed rates and predictable payments
 * Pay off your loan at any time, with no prepayment penalty


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Refinance
Credit Cards




Debt
Consolidation




Home
Improvement




Major
Purchases



UPGRADE ONECARD

You control how you pay for your purchases: Pay Now with no interest, or Pay
Later5


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No Annual fee



 * Get 3% cash back on everyday purchases, 2% on everything else4
 * Extra Spending Power when you have Rewards Checking through Upgrade6


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unlimited 3% cash back

Life
Rewards


unlimited 1.5% cash back

Cash
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FROM OUR CUSTOMERS

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 * Products
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275 Battery Street, 23rd Floor
San Francisco, CA 94111, USA

Not for payments. Payment
address can be found here.

For inquiries, contact us at
moc.edargpunull@tcatnocnull

 * 
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1 Rewards Checking Plus customers who set up monthly direct deposits of $1,000
or more earn 2% cash back on common everyday expenses 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, and 1% cash back on all other
debit card purchases. 2% cash back is limited to $500 in rewards per calendar
year; after $500, customers earn 1% cash back on all eligible debit card
purchases for the remainder of the year. Rewards Checking Plus accounts with
less than $1,000 in monthly direct deposits 60 days after account opening will
earn 1% cash back on common everyday expenses and 0.50% cash back on all other
eligible debit card purchases. Some limitations apply. Please refer to the
applicable Upgrade VISA® Debit Card Agreement and Disclosures for more
information.

2 The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is
effective as of June 1, 2023. The APY for the Performance Savings account is
variable and may change at any time. Active Accounts qualify for 5.02% APY with
monthly $1000 direct deposit. The APY for Active Accounts is effective as of
August 16, 2024, is variable, and may change at any time. Please refer to the
applicable Cross River Bank Performance Savings Deposit Account Agreement and
Truth in Savings Disclosure.

To earn APY, you must open and fund a Performance Savings account. Rewards
Checking Plus accounts do not earn APY.

3 Early direct deposit requires set up of recurring electronic direct deposit
from your employer, payroll, or benefits provider and is limited to direct
deposits under $5000. Early access to direct deposit funds depends on the timing
in which we receive notice of impending direct deposit, which is generally up to
two days before the scheduled deposit date.

4 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.

5 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.

6 You may be granted Extra Spending Power if you have a Rewards Checking or
Rewards Checking Plus account (“Rewards Checking Account”), designate the
Rewards Checking Account as the primary source of payments for the Pay Now
Purchases feature of your OneCard, maintain a positive available balance in the
Rewards Checking Account, and maintain your OneCard and Rewards Checking
accounts in good standing. If you meet these conditions, the amount of your
Extra Spending Power is generally determined by your Rewards Checking Account
balance, with a larger deposit balance generally correlating to a higher Extra
Spending Power, up to a maximum of $5,000. The Extra Spending Power supplements
your Credit Limit to increase the amount of your Available to Spend for
purchases and ATM transactions. We reserve the right to raise or lower the Extra
Spending Power maximum from time to time in our sole discretion subject to
compliance with applicable law. If you qualify for Extra Spending Power and you
make a purchase or ATM transaction that causes your OneCard balance to exceed
your Credit Limit, the amount of the transaction that exceeds your Credit Limit
will be processed as a Pay Now transaction, even if the total amount of the
transaction would otherwise be processed as a Pay Later transaction based on
your Pay Now settings.

† Accept your loan offer and your funds will be sent to your bank or designated
account within one (1) business day of clearing necessary verifications.
Availability of the funds is dependent on how quickly your bank processes the
transaction. From the time of approval, funds sent directly to you should be
available within one (1) business day. Funds sent directly to pay off your
creditors may take up to 2 weeks to clear, depending on the creditor.

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of
9.99%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is
deducted from the loan proceeds. Lowest rates require Autopay and paying off a
portion of existing debt directly. Loans feature repayment terms of 24 to 84
months. For example, if you receive a $10,000 loan with a 36-month term and a
17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time
origination fee), you would receive $9,500 in your account and would have a
required monthly payment of $341.48. Over the life of the loan, your payments
would total $12,293.46. The APR on your loan may be higher or lower and your
loan offers may not have multiple term lengths available. Actual rate depends on
credit score, credit usage history, loan term, and other factors. Late payments
or subsequent charges and fees may increase the cost of your fixed rate loan.
There is no fee or penalty for repaying a loan early.

Apple, Apple Pay®, and the Apple logo are trademarks of Apple Inc., registered
in the US and other countries. App Store is a service mark of Apple Inc. Google,
Google Wallet™ and the Google logo are trademarks of Google Inc.

©2017-2024™, NerdWallet, Inc. All Rights Reserved. ©1995-2024 The Motley Fool.
"The Ascent" is owned by the Motley Fool.

Copyright 2024 Upgrade, Inc.
All rights reserved.

Personal Loans and Auto Refinance Loans are made by Upgrade's bank partners.
Home Improvement Loans are made by Cross River Bank, Member FDIC, Equal Housing
Lender. Personal Credit Lines are issued by Cross River Bank, Member FDIC. The
Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license
from Visa U.S.A. Inc. Upgrade, Inc. (NMLS #1548935) holds the following state
licenses and does business under the following DBAs. Checking and savings
accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards
are issued by Cross River Bank, Member FDIC, pursuant to a license from Visa
U.S.A. Inc. Upgrade is a financial technology company, not a bank.






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to collect information. The information collected might relate to you, your
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