Open an Upgrade Cash Rewards Card along with a Rewards Checking Preferred account and make 3 debit card transactions to earn a $200 bonus. The card also earns 1.5% cash back on purchases once paid off, but that is separate from this welcome bonus.
Eligibility
Available nationwide
No state restrictions on this offer.
Hard credit inquiry
Applying posts a hard pull to your credit report.
How to get the Upgrade Cash Rewards Card bonus
- Apply for the Upgrade Cash Rewards Card.
- Open an Upgrade Rewards Checking Preferred account.
- Make 3 debit card transactions on the checking account.
- Receive the $200 bonus.
The fine print that matters
- Credit lines feature APRs of 14.99% to 29.99% based on creditworthiness.
- Balance transfers are subject to a fee of up to 5% per transfer.
- Foreign transactions are subject to a fee of up to 3% per transaction.
- A late fee of up to $29 per late payment may apply.
- Cards and accounts are issued by Upgrade's bank partners.
Verification and reports
Confirmed against upgrade.com on Jul 22, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
Spot something new or wrong? Send a tip. Corrections ship and are credited in the changelog.
Sources: upgrade.com offer page (checked Jul 22, 2026)
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