With your Rewards Checking account, you can earn unlimited cash back rewards on all of your debit charges -- 2% cash back on common everyday expenses and 1% cash back on everything else.*
2% Cash Back on Common Everyday Expenses*
| Merchant Type | Merchant Examples |
|
Convenience, Drug Stores |
CVS, Walgreens, Rite Aid |
| Gas Stations |
Shell, Chevron, ExxonMobil, Speedway |
| Monthly Subscriptions |
Netflix, SiriusXM, Spotify, Disney Plus |
| Restaurants |
McDonalds, Uber Eats, Chipotle, Starbucks |
| Utilities, Phone |
AT&T, T-Mobile, Verizon Wireless, Cricket Wireless |
1% Cash Back on Everything Else*
- Unlimited 1% cash back on all other charges
Merchants set their own category codes and therefore purchases may not appear in categories as expected. The listed merchants are examples of companies where purchases made at these companies will typically appear in the stated category as appropriate. Upgrade is in no way affiliated with these merchants or endorsing any of their products or services, nor are these merchants considered sponsors or co-sponsors of this program. All trademarks are the property of their respective owners.
* Some limitations apply. See the Rewards Checking page for full details.