Highlights

• Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
• Earn 1% Cash Back Rewards* on all other eligible purchases
• Up to $1,000 credit limit subject to credit approval
• Prequalify** without affecting your credit score
• No security deposit
• Free access to your VantageScore 4.0 score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Highlights

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
• No annual fee
• Combine the flexibility of a credit card with the predictability of a personal loan
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details

Highlights

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• Earn 1.5% unlimited cash back on card purchases every time you make a payment
• Combine the flexibility of a credit card with the predictability of a personal loan
• No annual fee
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere
• Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Highlights

• $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
• 3% Cash Back on payments for Gas, Grocery, Health, Streaming, and Utility categories , 1% cash back on everything else (Target and Walmart earn 1%)
• Pay your balance in full early each month and avoid interest with EarlyPay**
• Combine the flexibility of a credit card with the predictability of a personal loan
• No annual fee
• No touch payments with contactless technology built in
• See if you qualify in minutes without hurting your credit score
• Great for large purchases with predictable payments you can budget for
• Mobile app to access your account anytime, anywhere

* To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/10219761084443-Upgrade-Life-Rewards-Card-Detailshttps://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Highlights

• Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
• Earn 1% Cash Back Rewards* on all other eligible purchases
• Good anywhere Mastercard® is accepted
• $0 fraud liability**
• Free access to your VantageScore 4.0 credit score from TransUnion®†

*See Program Terms for important information about the cash back rewards program.

**Fraud liability subject to Mastercard® rules.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.