Upgrade Triple Cash Rewards Visa®
- Annual fee
- None
- Recommended credit
- Excellent / Good / Fair
- Card network
- Visa
- Regular purchase APR
- 14.99% to 29.99% variable based on creditworthiness and the Prime Rate
At a glance
The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.
Our review of the Upgrade Triple Cash Rewards Visa®
If you’re looking for a cash back rewards credit card with low rates, the Upgrade Triple Cash Rewards Visa® from Upgrade is worth considering. This card combines the flexibility of a credit card with the predictability of a loan, making it a great option for those struggling with credit card payments or needing debt assistance.
Who Can Benefit from the Upgrade Triple Cash Rewards Card?
The Upgrade Triple Cash Rewards Visa® is designed for individuals who find it challenging to manage payments with regular credit cards, those seeking assistance in paying down debts, and those who prefer carrying a balance on their cards.
How to Get Upgrade
With Upgrade, individuals with fair FICO Scores have better access to impressive rewards than ever before. The Upgrade Triple Cash Rewards Visa® offers a versatile rewards card with no annual fee, with good approval odds for applicants with a FICO Score over 620.
Pre-Qualify Before Applying
Upgrade provides a free online pre-qualification tool, allowing you to see if you pre-qualify in minutes without impacting your credit score. This feature helps you determine your suitability for an Upgrade product without any negative effects on your credit report.
How Does Upgrade Card Work?
The Upgrade Card allows cardholders to make purchases anywhere Visa is accepted and transfer funds to external bank accounts to tackle existing debt. The card features installment terms ranging from 12 to 60 months, simplifying the process of paying off balances.
Upgrade Vs. Traditional Credit Cards
Upgrade balances offer a fixed rate and term, providing cardholders with the knowledge of when they will pay off their balance and the opportunity to save on interest compared to traditional credit cards.
How to Earn Rewards with Upgrade
The Upgrade Triple Cash Rewards Visa® offers up to 3% cash back on purchases in select categories and 1% back on all other purchases. Cardholders can earn 3% cash back in the “Home,” “Auto,” and “Health” categories, providing a versatile earning opportunity for everyday purchases.
Bonus Categories Explained
Upgrade classifies “home,” “health,” and “auto” purchases broadly, including a wide range of eligible transactions in each category. Cardholders can earn bonus rewards by shopping at participating merchants via Upgrade Shopping powered by Dosh®.
Other Card Benefits
Upgrade cardholders can enjoy EMV chip technology for added security, as well as Visa Signature benefits such as zero fraud liability, emergency card replacement, extended warranty coverage, and more. The Upgrade Triple Cash Rewards Visa® offers a range of benefits and protections for cardholders.
In comparison to the Upgrade Cash Rewards Visa®, the Upgrade Triple Cash Rewards Visa® offers unlimited cash back on payments in specific categories, making it a great choice for those looking for a versatile rewards card.
Overall, the Upgrade Triple Cash Rewards Visa® provides a valuable combination of cash back rewards, low rates, and flexibility, making it a top choice for individuals looking to optimize their credit card experience.
If you have any questions about Upgrade or how to maximize your rewards with the Upgrade Triple Cash Rewards Visa®, check out our FAQs below.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Relax knowing you’re protected against unauthorized transactions with Visa’s Zero Liability Policy
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards
- Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your
- Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
Who this card may suit
- You struggle to pay off your credit card balances
- You want to earn up to 3% cash back on purchases
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 14.99% to 29.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 14.99% to 29.99% |
| Balance Transfer Transaction Fee | Up to 5% |
| Foreign Transaction Fee | Up to 3% |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.
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Upgrade Triple Cash Rewards Visa®
Apply Now for Upgrade Triple Cash Rewards Visa® (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
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