Upgrade: Shopping portal cashback & miles rates
upgrade.com
Checked 13h ago · 1 portal compared
Every portal below pays you for starting your Upgrade purchase there: they split the commission they get from Upgrade with you. Same store, same checkout, same order, but cashback or miles on top. New here? How portals work
Best Upgrade rate right now
Best right now
Verdict:
- It's an "up to" rate. The headline number may only apply to some categories.
0 rate changes in the 45 days we've tracked it.
Points
Category rates
- Personal Loans 1.3 pts/$
- Universal Loans 1.3 pts/$
- Auto Refi 65 pts
Details last checked 13h ago.
Joining a portal through a link here may earn us a referral bonus; it never changes these rates or their order. Details
How this tool is funded
Some links here are referral links: if you join a portal through one, that portal may pay us a referral bonus. It never changes the rates we show or how we rank them. How we make money
Best play
Stack the portal with the right card: the same purchase earns two ways.
Also fits: Bank of America Customized Cash Rewards (3% back on online retail) · Amex Blue Business Plus (2x Amex points on everything)
Card earn rates are our own notes, not live data. Issuer caps and terms apply, so double-check before counting on one.
Paying with a gift card usually voids the portal's cashback. The discount on the card is your saving instead.
Rate history last 21 days
Full history →Each line follows the best rate on offer at that moment, whoever was paying it. Currently: Points via Rove Miles. Same scale, different currencies: "3" means 3% cash, 3 pts/$, or 3 mi/$.
Every account sees the last 21 days here. Premium goes back to day one.
Common questions
Which shopping portal pays the most at Upgrade? +
Right now up to 1.3 pts/$ on Rove Miles leads, out of 1 portal we track for Upgrade. The full side-by-side comparison of cashback, miles, and points is above.
Can I earn airline miles or points for Upgrade through a shopping portal? +
Yes, the top is 1.3 pts/$ on Rove Miles. Airline and card portals often pay miles or points instead of cashback.
How often do Upgrade's cashback rates change? +
We've tracked Upgrade since Jul 13, 2026. Portal rates change whenever the portal updates them, and each row shows exactly when we last confirmed it.