The Upgrade Rewards Checking Account will give you a $200 welcome bonus when you open a new Rewards Checking account through a current member’s referral link and direct deposit at least $1,000 in 45 days, plus current Rewards Checking account members can earn up to $1,000 in bonus credits for referring your friends to open a new Upgrade Rewards Checking Account.
Alternatively, you can earn a $400 bonus when you open both an Upgrade Rewards Checking Account along with an Upgrade Credit Card Account at the same time, and then make 3 debit card purchases within 60 days of opening the 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, and you can set up a qualifying direct deposit, then you can earn a $200 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), and you would prefer to make 3 debit card transactions within 60 days instead of having to receive the direct deposit, 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 with the Upgrade Triple Cash Rewards Visa Card through CreditKarma.com.
With both the $200 and $400 offers that require 3 debit card purchases within 60 days, you will need to open both an Upgrade Card and Upgrade Rewards Checking Account, while the $200 offer that requires $1,000 in direct deposits within 45 days is available if you just want to open a Rewards Checking account by itself.
Additionally, the Upgrade Premier Savings Account is offering $25-$200 in bonus cash when you open a new account and deposit at least $5,000, plus you can earn an extra $25-$200 bonus for each new customer that you refer who opens an Upgrade Premier Savings Account.
Earn $200 Bonus with Upgrade Rewards Checking Account
To get the $200 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 July 31, 2024.
You can use this Upgrade Rewards Checking $200 Referral Link to register for the $200 bonus (link provided by reader).
In order to be eligible for the $200 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 direct deposit at least $1,000 in 45 days, you will receive a $200 cash bonus.
You must open your new Upgrade Rewards Checking Account by July 31, 2024, and then you’ll have 45 days from account opening to direct deposit at least $1,000 in order to qualify for the $200 bonus.
If you meet the qualifications, the $200 bonus will be credited directly to your Upgrade Rewards Checking Account.
You may see the status of your $200 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 $200 welcome bonus.
Please note that when you open an Upgrade account, you should use your real mobile phone number, and not a Google Voice number, as that will cause Upgrade to request a lot of extra documentation.
$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 $200 bonuses with your friends and family, and you’ll earn a $100 bonus for each new member that you refer who meets the qualifications.
When you refer a new member who opens an Upgrade Rewards Checking Account and direct deposits at least $1,000 within 45 days of account opening, you will receive a $100 bonus credit to your Rewards Checking account, and your referrals will receive a $200 bonus for a limited time.
The current Upgrade Rewards Checking Refer-A-Friend Program runs through July 31, 2024, so the new member must join by that date in order to be eligible, and then the new member has 45 days from account opening to direct deposit at least $1,000.
You can earn a total of 10 referral bonuses or $1,000 in bonus credits during this particular promotion 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.
Earn $25-$200 Bonus with Upgrade Premier Savings Account
When you register via this Upgrade Premier Savings $25-$200 Referral Link, you can earn up to $200 in bonus cash when you open a Premier Savings Account, deposit at least $5,000 in the first 30 days, and maintain your balance for an additional 60 days.
The bonus tiers are as follows: $5,000+ deposit = $25 bonus; $25,000+ deposit = $50 bonus; $50,000+ deposit = $100 bonus; and $100,000+ deposit = $200 bonus.
With the Upgrade Premier Savings Account, you’ll also earn a 5.21% APY on balances of $1,000 or more, and there are no monthly account fees or transfer fees.
$25-$200 Upgrade Premier Savings Refer-A-Friend Bonuses
If you have an Upgrade Premier Savings Account, you can refer your friends to open a new Premier Savings Account, and you’ll earn up to $200 in bonus cash based on their qualifying deposits.
You’ll both earn a $25 bonus with deposits of $5,000+, $50 with $25,000+, $100 with $50,000+, or $200 with $100,000+.
To qualify, your referrals must deposit at least $5,000 in the first 30 days after account opening, and then maintain the balance for an additional 60 days.
The offer period for new customers to open an account and start qualifying for a bonus ends on July 31, 2024.
Please feel free to share your experiences with the Upgrade Rewards Checking Account and Upgrade Premier Savings Account along with your referral links in the below comments, so that everybody can exchange the bonuses.
Find More Banking Bonuses
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Review these top bank account promotions and nationwide credit union new member offers to earn extra sign-up bonuses.
Matthew Clifford Glader says
Open a checking account with my link and we can both earn up to a $200 bonus! 🎁 T&Cs apply. https://upgrade.com/r/owR9MfutEx
Henry 🎯 says
My Rewards Checking Plus $300 Referral Link: https://upgrade.com/r/h0WyXkcuVv
* Offer Period for new customers to open an account ends on Jun 30, 2024. New customers qualify for a bonus by making direct deposits totaling $1,000 by 45 days post account opening.
No Chex pull. No EWS inquiry. No hard credit pull. Currently moving funds deposits into Upgrade from Chase, Fidelity, Robinhood, Paypal, Venmo works as of this message.
Steve says
Get a $300.00 bonus when you open a new Upgrade checking account and direct deposit $1,000.00 or more within 45 days of account opening.
Here is my referral link:
https://upgrade.com/r/dpFkwJX13p
rxgeek says
Run, don’t walk from Upgrade. I have spent hours on the phone with them resolving various issues. You are required to open multiple accounts to earn the bonuses. Each account has their own customer service desk and can only deal with that account. You will spend lots of your valuable time trying to get transferred to someone that can help.
Gadget - Bank Bonus Geek says
My Premier Savings Link: https://upgrade.com/r/twKiLLXcdT
Unless extended, only one more week to sign up for the Premier Savings. Wondering what makes the Premier Savings offer a winner?
The fact that this Premier Savings account bonus CAN be earned even if you have collected the Upgrade Checking Referral or Upgrade Card bonuses.
No Chex or EWS inquiry, and no hard credit pull. The simple sign-up process takes a couple of minutes. No fees, no ETF.
The account bonus tracker is shown immediately after sign-up, so no guessing if you are enrolled. Per terms, the bonus payout occurs 30 days after completion of requirements. However, based on the ONE & ONLY DP from the prior Savings offer, they email you when you have completed the holding requirements and then payout the bonus days later. You can refer others right away, too.
Based on the account’s 5.21% APY + bonus reward, the highest percentage earning level is at the $50K sweet spot. But, even at the highest or lowest levels, when factoring in the bonus, this account’s overall APY is likely higher than your other HYS accounts. Roughly 8-9% APY, depending on the bonus level.
Things to be aware of: If you have Transunion frozen, you must lift the freeze for a soft pull. Do not use Google Voice with Upgrade to prevent them from asking for tax returns, W2’s, etc. The minimum balance to earn 5.21% APY is $1K. Do not dip the account balance from days 30-90.
Eric says
I signed up for an Upgrade Premier Savings account using a referral about a week ago. I previously had a checking account with Upgrade so the application only took a couple of minutes and my account was opened right away. I immediately received my referral link.
This is a really good offer in my opinion due to the various bonus tiers and the 5.21% APY rate on your money. There is a $1000 minimum to receive that APY. Make sure to deposit your money before the account has been open for 30 days and then leave it all in there for at least 3 months from opening to qualify for the bonus.
Thank you to anyone that uses my Upgrade Savings referral link below.
https://upgrade.com/r/sX1tlLb1Xv
Vanderbander says
Here’s my link: https://upgrade.com/r/AqAK7Z9Aqs and thank you so much if you use it!
Don’t forget to make a total of $1000 in direct deposits within 45 days so you get your $200!
Steve says
Open a checking account with my link and get $200! https://upgrade.com/r/pttHfFIzMT
Gadget - Bank Bonus Geek says
My Link: https://upgrade.com/r/JnkKVLpQK6
For your consideration. It may be possible to stack this bonus with a shopping portal such as Swagbucks or MyPoints.
For those wanting to try to stack the Upgrade Rewards Checking offer and the SB/MP offer, do the following:
1. Open Swagbucks or Mypoints, and log in.
2. Use the search bar to search for UPGRADE to find the Upgrade Checking offer and click “View Offer”, and the “Get” SB/MP button.
3. Once you are at the Upgrade.com website, click on nothing. In the same tab, paste a referral link into the address bar in place of the one from Swagbucks/Mypoints, and hit Enter. My referral link is https://upgrade.com/r/JnkKVLpQK6.
4. Sign up.
Jeremy S says
Join Upgrade Rewards Checking with my link and get $100!
https://upgrade.com/r/NTMVkCC8wN
Ryan says
You can stack this with the Swagbucks offer for 75$ more and all you need to do is by three things for a dollar each on Amazon to get the $100 bonus. Technically Amazon reload balance is not allowed since it’s a gift card but apparently it still works as well for some people. I’m building an organic chemical Tree Nursery anyone who uses my link is awesome I love you cheers humans
Join Upgrade Rewards Checking with my link and we’ll both get $100! upgrade.com/r/n0maeixaDH
Eric says
I did a larger $400 bonus from Credit Karma a few months ago and it was very easy to meet the requirements. This bonus is just as easy. Thanks to anyone that uses my referral link below.
https://upgrade.com/p/IHX54FyqSG