Upgrade Rewards Checking Plus $200 Bonus

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Upgrade : Rewards Checking Plus

$200

4.0

BankBonus.com score

Availability

Ease

Amount

Fees

Offer Expires In

Limited Time Offer

How To Earn The Bonus

  1. Apply for any Upgrade Card (including The Triple Cash Rewards Card which is linked below).
  2. Within 60 days, open and fund a new Rewards Checking Plus account.
  3. Within the same 60 days, make 3 purchases using your debit card.
  4. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Available in Your Area?

Yes

Monthly Fees?

No

Open Online?

Yes

Credit Pull?

Unknown

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Apply Now

at Upgrade

Upgrade is offering a $200 welcome bonus when you open a new Rewards Checking Plus account and make 3 debit card transactions.

To qualify for this promotion, you'll first need to sign up for any Upgrade Card (for example, the Triple Cash Card), which is a blend of a credit card / line of credit. Then, you'll need to open a free Rewards Checking Plus account. Finally, you'll need to make just 3 purchases using your new debit card.

What's more? If you choose The Triple Cash Rewards Visa card you'll earn 3% on purchases in Home, Auto, and Health categories and 1% on all other purchases. There are no annual fees and no late fees.

All in all, this is an easy bonus to earn.

Overall, it's rare to find a cash offer this high that does not require a direct deposit, minimum balance, or a monthly fee. Check it out!

How To Earn The Bonus

The Upgrade Rewards Checking Plus promotion requires you to make purchases using the account's card in order to earn the $200 bonus (step-by-step breakdown is listed above!).

As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.

The fine print

  • 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.

How does this personal checking offer from Upgrade compare?

To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:

Citi®

Enhanced Direct Deposit

Bonus
$300
Account Type
Personal Checking
Expires In
131 days
Requires
  • Direct Deposit

TD Bank

Beyond Checking

Bonus
$300
Account Type
Personal Checking
Expires In
1 day
Requires
  • Direct Deposit

PNC

Virtual Wallet®

Bonus
up to $400
Account Type
Personal Checking
Expires In
62 days
Requires
  • Direct Deposit

Why Upgrade?

Rewards Checking Plus

Rewards Checking Plus from Upgrade touts up to 2% cashback on "common everyday expenses" – think categories like: convenience stores, drugstores, restaurants and bars - including deliveries - and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services. You'll earn unlimited 0.5% on everything else.

If you maintain an "active account" with a monthly direct deposit of $1000 or more you'll be eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards (a total of 2% cashback on "everyday expenses", up to $500 each year, and unlimited 1% on everything else), ATM fee reimbursement, and more. Some limitations apply.

Fees

Rewards Checking Plus does not charge a monthly fee.

Share Your Thoughts or Questions

There have been 21 comments about the Upgrade Rewards Checking Plus $200 Bonus.

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Md Morsalin Islam

December 14, 2023

What's the Upgrade Rewards Checking Plus $200 Bonus. I don’t understand, so tell me please?

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Tom

November 16, 2023

When you open the Checking and Line of Credit with Upgrade they may open an account for you at a credit union that you might not normally be eligible for. They opened an account for me in a different state with a $5 gift deposit. That worked out great because that CU had a $50 refer-a-friend bonus. The requirements for Upgrade are easy. My spouse also opened a checking and LOC account. I did NOT receive a hard credit pull, but they DID.

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Dane King

November 16, 2023

There is not a hard pull for the Rewards Checking Plus checking account. There is a Hard Pull for the Triple Cash Rewards Visa card.

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John

November 15, 2023

It says credit pull "unknown" but surely if you're applying to a card this will be a hard pull on your credit, right?

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Richard O'Connell

November 15, 2023

First offer was an email for $50 Visa card if I opened account with UBS. Seemed shady but only put $10 to open account. Card shows up as promised and then I started getting the emails from Bank Bonus. So I started using my RMD from a retirement account to fund the offers that required a direct deposit as an income source. Made over $3000 this year so far. Recommend every retired person do this. Free money!!!

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Lee

November 15, 2023

Since many of these financial institutions offer referral programs, a great way to earn additional money on top of the regular SUB money paid out when signing up for bonus offer promo, is to use someone's referral whenever possible.

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Kimberly smith

November 15, 2023

Is there a minimum amount required as a deposit to get the bonus amount required to get the bonus? Are there any in network ATMs without fees?

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Jon Snow

November 17, 2023 Replying to Kimberly smith

No minimum deposit required. Just 3 debit card purchases.

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Jon Snow

November 13, 2023

I like that Upgrade paid the bonus the next day after I fulfilled the requirements

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Lee

November 11, 2023

I had a great experience opening my upgrade account and the bonus was paid out super fast. I highly recommend this upgrade offer to anyone looking to earn a nice bonus that pays out quickly.

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Ankit Jain

November 9, 2023

Make sure to use a referral to open this account. Referral sometimes help getting approved faster as the banks gets comfortable. This is also a churnable bonus every year so make sure to close your account quickly as soon as the bonus hit

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Faith Yazel

November 8, 2023

I’m always looking for new offers that don’t require direct deposit setup so this looks like a good option, but after reading the other comments I might think twice!

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Den

November 9, 2023 Replying to Faith Yazel

I agree with you here. It does not seem attractive if it needs to sign up for a blend of a credit card / line of credit.

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DANIEL TACKER

November 6, 2023

I signed up for this and actually used this account to consolidate some other debt I was paying off. I ended up receiving $400 bonus. This was September 2022 so I don't know if that is still the amount or not.

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D

November 5, 2023

This "bonus" was a sham. I cannot recomend Upgrade in any way. The bonus is *only* paid if you are *approved* for the credit card as part of the account opening process. I spent 45 mins on the phone with various clueless reps and was finally told about the credit card.

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Ewa

January 17 Replying to D

It is not a sham. D, you probably have a bad credit history.

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Nicholas

November 3, 2023

Does anyone know if applying for this card will affect your credit? It seems like it may not be worth doing this one.

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Wayne

November 6, 2023 Replying to Nicholas

If you're applying for a credit card, then yes.

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Avraham Kranczer

November 17, 2023 Replying to Wayne

It seems like this is not really a bank bonus, but rather a credit card sign bonus.

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mjonis

November 14, 2023 Replying to Avraham Kranczer

Agreed, if it's a hard pull for a CREDIT card, then it's not really a bank account offer, but rather a credit card offer, IMO.

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Nicholas

November 15, 2023 Replying to mjonis

It almost seems like this isn't a real credit card; the website uses other terminology that seems confusing. It's almost like a personal loan account that happens to have a card available?

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