Personal Loans and Financial Services
OtherOffers personal loans, credit cards, and rewards checking options.
Upgrade has an active cashback presence across shopping portals. Currently, the best portal rate is 1.5% via Fluz, with 2 portals available. Over the past year, rates have ranged from 1.5% to 3%. Check all available layers — portal, card, gift card — for the optimal combination.
Reward Profile Portal Earner
Rate StabilityRates vary significantly — timing matters
LowPortal SpreadNarrow spread — most portals offer similar rates
LowGift CardsNo gift card discounts currently available
—Stacking Layers2 layers available
LowCompare cashback rates and card bonuses for Upgrade below. Sign up to personalize your savings stack, or install the extension to compare rates as you shop.
Best Portal Rate
1.5%
Click to activate →
AI Deal Insights
Your Best Personalized Cashback Stack
1 Portal
Fluz1.5%
Stack more to save morePortal Rates
Rate History
7-Day Avg
1.3%
no change
Premium
30-Day Avg
1.5%
13%
Premium
1-Year Avg
1.5%
13%
Rate Comparison
Current
1.3%
7-Day
1.3%
1.5%
1.5%
Similar Stores
Best Credit Cards for Upgrade (Insurance bonus)
About Upgrade Cashback
Buying discounted Upgrade gift cards is one way to save. Some shoppers try to combine this with portal cashback, but eligibility depends on merchant terms and exclusions — some stores don't allow cashback on gift card purchases. CashBackStacks displays gift card rates alongside other options so you can evaluate what works.
For Upgrade purchases, the Priceline Rewards (Barclays Bank) gives you 2% in the All Other category, which you can combine with portal cashback.
As a Other retailer, Upgrade competes with other stores in the same category for cashback rates.
Similar stores with cashback include Pozyczkaplus.pl, InTouch Credit Union, iTHINK Financial. Check their rates to see if you can save more.
At 1.3%, Upgrade's cashback rate is below the 30-day average of 1.5%, suggesting rates are trending downward.
Cashback layering for Upgrade works by using a shopping portal for the base rate, paying with a credit card that earns bonus rewards in the store's category, and activating any available merchant offers from your card issuer. Each layer stacks independently.
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