# Upgrade Cash Rewards Card: $200 bonus

Canonical: https://dealaka.com/offers/upgrade-cash-rewards-card-sign-up-bonus

- Status: Limited reports
- Bonus: $200
- Requirement: Open Rewards Checking Preferred + 3 debit card txns
- Expires: no published end date
- Availability: Nationwide
- Institution: Upgrade
- Verified: Jul 22, 2026 against upgrade.com
- Field reports: 0

## Summary
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.

## Requirements
1. Apply for the Upgrade Cash Rewards Card.
2. Open an Upgrade Rewards Checking Preferred account.
3. Make 3 debit card transactions on the checking account.
4. Receive the $200 bonus.

## 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.

## Sources
- upgrade.com offer page <https://www.upgrade.com/upgrade-card/cash-rewards/> (checked Jul 22, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._