Highlights

• Earn 3% cash back on PayPal purchases and 1.5% everywhere else Mastercard is accepted. Purchases are subject to credit approval, and the PayPal Cashback Mastercard® must be used for payment. See Rewards Program Terms for details and eligibility criteria.
• With the PayPal Cashback Mastercard, earn unlimited cash back at millions of merchants.
• No restrictions. No rotating categories. No annual fee¹.
• Shop at millions of brands with PayPal to earn unlimited 3% cash back.
• Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance, and spend it however you want. Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal.
• Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™.
• Applications are subject to credit approval. You must be at least 18 years old and reside in the US or its territories to apply.
• ¹See Terms and Rates for New Accounts
• The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
• The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Highlights

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• 3% unlimited cash back on every purchase in Home, Health, and Auto categories
• No annual fee
• 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 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 off er. 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 off ers 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. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details 

Highlights

• • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the fl exibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefi ts, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • 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 off er. 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 off ers 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. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, GA, IA, MA, WV, WI

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20952319319067

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 pay your full balance early**
  • Enjoy Visa Signature benefi ts, 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 off er. 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 off ers 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. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

EarlyPay Disclosure: **By paying off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.

State Exclusions: DC, GA, IA, MA, WV, WI

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