Highlights

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
• No annual fee
• Pay no interest when you payoff your balance early each statement period*
• Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
• Up to 10% cash back from your favorite brands with Upgrade Shopping
• No touch payments with contactless technology built in
• See if you qualify in seconds with no impact to your credit score
• Great for everyday expenses and large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Use your card anywhere Visa is accepted

• Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *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.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Details

Additional Info

• Annual Fee: $0.00
• Intro Purchase APR: NA
• Regular Purchase APR: 14.99% -29.99%
• Intro Balance Transfer APR: NA
• Cash Advance APR: NA
• Cash Advance FEE: NA
• Late Fee: $0
• Penalty APR: NA
• Balance Transfer APR: 14.99% -29.99%
• Balance Transfer Fee: Up to 5%
• Foreign Transaction Fee: Up to 3%
• Return Payment Fee: $0
• Welcome Bonus: $200*
• $0 Fraud Liability: Yes
• Extended Warranty Program: Yes
• Roadside Assistance: Yes
• Price Protection: Yes
• Travel and Emergency Assistance Services: Yes
• Concierge Service: No

Specifications