Credit Card Rewards Program
Upgrade Cash Rewards
Upgrade Cash Rewards is automatic statement-credit cashback. No points, no transfer partners, no redemption complexity. Value is always 1¢ per reward dollar. Note: Upgrade cards convert purchases to fixed-rate installment plans — cash back posts when you make a payment, not at purchase time.
Redemption Tips
Cash back automatically applied as a statement credit when you pay your Upgrade bill. No action needed.
Earning Tips
Triple Cash earns 3% on Home, Auto, and Health; 1% on everything else. Merchants self-assign category codes — home gym equipment from Amazon earns 1%, not 3%.