Upgrade Rewards Checking Account: Earn $100 Bonus with 3 Debit Card Purchases + $100 Referral Credits

The Upgrade Rewards Checking Account will give you a $100 welcome bonus when you open a new Rewards Checking account through a current member’s referral link and complete 3 eligible purchases with your debit card within 60 days from account opening, plus current Rewards Checking account members can earn up to $1,000 in bonus credits per year for referring your friends to open a new Upgrade Rewards Checking Account.

Brought to you by the same company that released the Upgrade Card, which is a credit card that offers a line of credit, the Upgrade Rewards Checking Account is FDIC insured for up to $250,000 through Cross River Bank, members FDIC.

With the Upgrade Rewards Checking Account, you’ll earn 2% cash back on common everyday expenses when you use your debit card, plus 1% cash back on everything else, and there are no ATM fees, no account fees, and no transfer fees.

If you just want to open an Upgrade Rewards Checking Account, and not an Upgrade Card account, then you can earn a $100 bonus for opening a Rewards Checking account through this referral promotion.

However, if you would also like to open an Upgrade Card account (a credit card), then you can get a $200 Upgrade Card and Rewards Checking Bonus for opening both accounts on their website, or you can get a $400 Upgrade Card and Rewards Checking Bonus through CreditKarma.com.

With both the $200 and $400 offers, you will need to open both an Upgrade Card and Upgrade Rewards Checking Account, while the $100 offer is available if you just want to open a Rewards Checking account by itself.

Earn $100 Bonus with Upgrade Rewards Checking Account

To get the $100 bonus for just opening an Upgrade Rewards Checking Account, you must start by registering through a referral link from a current Rewards Checking account member by April 15, 2023.

You can either use this Upgrade Rewards Checking $100 Referral Link #1 or this Upgrade Rewards Checking $100 Referral Link #2 to register for the $100 bonus (both links provided by readers).

In order to be eligible for the $100 welcome bonus, you must not currently have or have previously had a Rewards Checking account through Upgrade.

Once you sign up for a Rewards Checking account and complete 3 debit card purchases within 60 days, you will receive a $100 cash bonus.

You must open your new Upgrade Rewards Checking Account by April 15, 2023, and then you’ll have 60 days from account opening to complete the 3 debit card purchases in order to qualify for the $100 bonus.

If you meet the qualifications, the $100 bonus will be credited directly to your Upgrade Rewards Checking Account.

For purchases to be eligible, the transactions must have settled, and certain transactions are not eligible, including: money transfers, including wire transfers and transfers made through Apple Pay, Google Pay or similar services; manual cash disbursements; ATM transactions; the purchase of checks, financial products, promotional merchandise, gift cards, foreign currency, money orders, other monetary instruments, or similar; debt repayment; account funding; transactions executed for the sole purpose of transferring funds to another account maintained or controlled by the same consumer; refunds or other card credits; or disputed or fraudulent transactions.

You may see the status of your $100 welcome bonus in your Refer-A-Friend Dashboard at any time, including whether you have any debit card purchases left to complete or whether the welcome bonus has been credited to your Rewards Checking account.

You must have a Rewards Checking account that is open and in good standing in order to receive a $100 welcome bonus.

$100 Upgrade Rewards Checking Refer-A-Friend Bonuses

Once you open an Upgrade Rewards Checking Account, you can participate in the Upgrade Rewards Checking Refer-A-Friend Program to share $100 bonuses with your friends and family.

When you refer a new member who opens an Upgrade Rewards Checking Account and completes 3 debit card purchases within 60 days of account opening, you will both receive a $100 bonus credit to your Rewards Checking accounts.

The current Upgrade Rewards Checking Refer-A-Friend Program runs through April 15, 2023, so the new member must join by that date in order to be eligible, and then the new member has 60 days from account opening to complete the 3 debit card purchases.

You can earn a total of 10 referral bonuses or $1,000 in bonus credits per calendar year for sharing the Upgrade Rewards Checking Account with new members.

To refer your friends, visit the Refer-A-Friend Dashboard within your account to access your unique referral link.

Please feel free to share your experiences with the Upgrade Rewards Checking Account along with your referral links in the below comments, so that everybody can exchange the $100 bonuses.