Available nationwide, find the latest Upgrade promotions & offers here.
Update 4/5/24: Upgrade offers a 3% cash back for everyday purchases card and 2% on all other purchases + a $200 welcome bonus with their Upgrade OneCard with Rewards Checking account.
About Upgrade
Upgrade helps you make smart financial decisions to help you reach your goals. Like buying a new bike. Fixing the roof. Or finally paying off that fancy fridge. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees.
That’s because they believe credit should be affordable and responsible. So they designed all their credit, mobile banking and payment products to do three things:
- Give you responsible options.
- Keep you on track.
- And reward you along the way.
The way it should be.
Upgrade OneCard with Rewards Checking $200 Welcome Bonus
The Upgrade OneCard with Rewards Checking1 offers a $200 welcome bonus when you start using a new Rewards Checking account and make 3 purchases2
- Get 3% cash back for everyday purchases, 2% for all other purchases3
- You control how you pay for your purchases: Pay Now with no interest, or Pay Later4
- Extra Spending Power when you have Rewards Checking through Upgrade5
- No annual fee
Learn more about the Upgrade OneCard with Rewards Checking.
| BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| First Tech Rewards Checking ($300 bonus) | |
See terms and conditions here.
Upgrade Select Card
With the Upgrade Select Card, get the credit you need.
- Unsecured credit lines from $500 to $2,000
- $39 annual fee
Learn more about the Upgrade Select Card.
See terms and conditions here.
Upgrade Rewards Checking Plus Account
- Maximize your rewards with direct deposit1
- Up to 2% cash back on purchases2
- Add Performance Savings to earn up to 4.81% APY3
- Get paid up to 2 days early4
- No monthly fees5
Learn more about the Upgrade Rewards Checking Plus account.
| BMO Smart Money Checking ($350 cash bonus) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | |
Terms:
1Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards, ATM fee reimbursement, and more.
2Non-Active Rewards Checking Plus Accounts accrue 1% 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 service and 0.50% cash back on all other eligible debit card charges. Active Rewards Checking Plus Accounts accrue 2% cash back on common everyday expenses (maximum of $500 in 2% rewards per calendar year), and unlimited 1% cash back on all other eligible debit card purchases, including on common everyday expenses after the $500 maximum. Some limitations apply. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information.
3The 1.5% Annual Percentage Yield (APY) for the Performance Savings account is effective as of 6/1/2023. The APY for the Performance Savings account is variable and may change at any time. Active Accounts qualify for 4.81% APY with monthly $1000 direct deposit. The
APY for Active Accounts is effective as of 6/1/2023, 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.
4Early 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.
5There are no overdraft fees, annual fees, or transfer fees associated with Rewards Checking Plus accounts. Rewards Checking Plus charges no ATM fees, but third-party institutions may charge you a fee if you use their ATM/network or if you use your Upgrade VISA® Debit Card internationally. For Active Accounts, Upgrade will rebate ATM fees charged by another institution for debit card withdrawals in the United States, up to five times per calendar month. To be eligible to receive third-party ATM fee rebates in any calendar month for eligible ATM withdrawals made during that month on a Rewards Checking Plus account, the account must be an Active Account in the prior calendar month. See the Active Account page for more information. As a courtesy to new customers, Upgrade will provide third-party ATM fee rebates for 60 days after account opening regardless of account user status. Some limitations apply. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade VISA® Debit Card Agreement and Disclosures for more information.
$75 Bonus For Existing Users (Targeted)
Check your email for the following: Subject line is “<name>, don’t miss out on your $75 bonus”
Upgrade is offering some existing customers a $75 bonus when they receive one or more direct deposits totaling $5,000 by June 23, 2023 or a $25 bonus when they receive direct deposits of between $1,000 and $5,000.
Terms:
- The bonus expires on June 23, 2023 11:59 p.m. PT (“Bonus Period”).
- You can qualify for a Direct Deposit Bonus when you (1) use the link in this email to set up an Eligible Direct Deposit to your Rewards Checking Plus account, and (2) make one or more Eligible Direct Direct Deposits by the Bonus Period.
- You can qualify for a $75 bonus when you make Eligible Direct Deposits totaling at least $5,000, or $25 bonus when you make Eligible Direct Deposits totaling between $1,000 and $4,999.99, (each, a “Direct Deposit Bonus”). An “Eligible Direct Deposit” is a recurring deposit to your Rewards Checking Plus account by Automated Clearing House (“ACH”) from your employer, payroll, or benefits provider, or gig economy payer OR a deposit by Original Credit Transaction (OCT) from your gig economy payer.
- Existing direct deposits, one-time direct deposits, including tax refunds, bank ACH transfers, bank verification or trial deposits, peer-to-peer transfers from services, such as PayPal or Venmo, merchant transactions, mobile check deposits, and cash loads or deposits are not Eligible Direct Deposits.
- The Direct Deposit Bonus will be paid to your Rewards Checking Plus account within 30 days of the end of the Bonus Period.
- You must use the link contained in this email to set up the Eligible Direct Deposit, and you cannot qualify for more than one Direct Deposit Bonus.
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Bottom Line
For more options, see our list of the latest bank bonuses from institutions like U.S. Bank, BMO Harris, Huntington Bank, Chase Bank, Bank of America, TD Bank, Citi, Fifth Third Bank, Axos Bank, and more.
Does anyone know how long the $200 bonus promotion offer is going from Upgrade? Thanks in advance.
I would contact them first. I opened checking and savings and put in over 5,000, was told I did not do it in proper order and that I would not get a bonus. Talked to a few agents, then only got a 200 bonus because a supervisor went back and listened to an agent on recording tell me that I was good to go for that welcome bonus. They seemed to say that you first had to have a ‘loan/credit card’ and then start the checking to get the bonus. I may have done something out of order for meeting their criteria, but it should be much clearer. The supervisor that went back and listened to recording was really the shining point of all this. I would call first.
I didn’t mind the hard pull plus they offered a CC right away. I got a 7k limit. I would have waited because they offered 400 for CC bonus to.
The hard pull is a no-go for me, but can be good offer for certain people. Thanks