Upgrade Triple Cash Rewards Visa®
Offers flexibility of a Visa card with the low cost and predictability of a personal loan
Updated: Dec 11, 2023
Upgrade Triple Cash Rewards Visa is one of the most popular cards from Upgrade, a successful financial startup. It is issued by Sutton Bank and is a hybrid between a credit card and a personal loan product. It offers 3% cash back on car, health, and home purchases, and 1% cash back on everything else.
ANNUAL FEE
$0
ONGOING APR
14.99% - 29.99% Fixed
INTRO APR
N/A
at Upgrade's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended Credit Score
Fair
Key Features
- $200 bonus1 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
- Enjoy peace of mind with $0 Fraud Liability
Our Take
The Upgrade Triple Cash Rewards Visa Card is a high-powered, no-fee credit card designed with the modern consumer in mind. It offers simplicity and predictability with a straightforward rewards system and the ability to make manageable payments. Best suited for those planning substantial purchases, this credit card provides not just the buying power but also a variety of rewards and benefits. Plus, with instant pre-qualification that won’t affect your credit score and a broad acceptance for applications with a 620+ score, the Triple Card is a versatile choice for many.
Benefits of the Upgrade Triple Cash Card
The Upgrade Triple Cash Card isn’t just any regular credit card; it’s packed with a wealth of benefits designed to give the user greater financial flexibility and generous rewards. Let’s explore the specific advantages that make this card a compelling option for consumers.
Bonus Offer
When you open an account, you receive an enticing $200 bonus1. This exclusive offer provides you with immediate value right from the get-go, making it an attractive deal for any potential cardholder. Just remember, terms apply, so be sure to familiarize yourself with credit cards terminology before application.
Triple Cashback
This card does a great job of rewarding cardholders for their everyday spending. It provides a generous 3% cash back on Home, Auto, and Health categories. Whether you’re buying a new home appliance, scheduling a car service, or taking care of a health expense, you’ll be rewarded for these necessary purchases.
Unlimited Rewards
On top of the triple cashback, the Upgrade Triple Cash Card also offers uncapped 1% cash back rewards on all other card spending. This means you can enjoy limitless rewards regardless of your purchasing categories, truly embodying the idea of ‘the more you spend, the more you earn.’
No Annual Fee
Unlike many credit cards in the market, this card comes with no annual fee. This feature is a significant saving for cardholders and enhances the overall affordability of this credit card.
No Application Fee
The Upgrade Triple Cash Rewards Visa Card doesn’t charge an application fee. This is a welcome feature, eliminating upfront costs and making the card more accessible for all applicants.
Visa Card Benefits
Being a Visa card, cardholders are privy to an array of benefits including $0 Fraud Liability. These added protections enhance the overall usability of the card, offering peace of mind in case of fraudulent activity.
A Few Drawbacks
Like any credit card, the Upgrade Triple Cash Rewards Card does have a few limitations. It’s important to note that the card’s generous 3% cashback applies to only specific categories and all other purchases are rewarded at a lower rate of 1%. Additionally, the card is best suited for those with a credit score of 620 or higher, potentially limiting its accessibility for some.
Who Can Benefit from this Card?
The Upgrade Triple Cash Rewards Card is an excellent option for anyone planning sizable purchases in the Home, Auto, and Health categories, thanks to the 3% cash back. Additionally, it’s a great choice for those who appreciate a no-frills, simple rewards structure with no annual or application fees. Remember, it is generally best suited for those with a credit score of 620 or above.
The Bottom Line
The Upgrade Triple Cash Rewards Card offers a compelling package of benefits with its substantial cashback offerings and absence of fees. It’s a versatile card that rewards everyday spending while providing additional advantages in specific categories. If you’re looking for a card that brings together convenience, rewards, and ease of use, this could be the right choice for you.
Other Upgrade Offers
If the Upgrade Triple Cash Rewards Visa Card doesn’t meet your specific needs, Upgrade offers other compelling financial products.
- Upgrade Visa – A seamless blend of credit card convenience and personal loan structure. It offers predictable payments, competitive rates, and zero fees for comprehensive financial flexibility.
- Upgrade Bitcoin Rewards – Ideal for the tech-savvy user, this card provides 1.5% bitcoin rewards on every purchase, allowing you to venture into cryptocurrency in a risk-free way.
- Compare 6 Upgrade Cards – With six different Upgrade cards available, you can compare their benefits, rates, and terms to make an informed decision that best suits your financial needs.
- Upgrade Personal Loan (up to $35,000) – For significant expenses or debt consolidation, Upgrade’s personal loan offers fixed rates, flexible repayment terms, and no prepayment penalties, making large expenditures more manageable.
Frequently Asked Questions
Issuer: | Cross River Bank |
---|---|
Network: | VISA® |
Category: | Consumer (Premium) |
Best Used For: |
|
Rewards: | Yes |
Reward Types: |
|
Reward Units: | Cash |
Regular APR: | 14.99% - 29.99% |
---|---|
Regular APR Type: | Fixed |
Annual Fee: | $0 |
Balance Transfer: | No |
Late Payment Fee: | $0 |
Other Fees: |
|
Upgrade Triple Cash Rewards Visa® Alternatives
Upgrade Triple Cash Rewards Visa® |
APPLY NOW |
Annual Fee $0 |
Regular APR 29.99% |
Intro APR N/A |
Rec. Credit Score Fair |
Additional Information & Comments
*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA(r) Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
**Not available in DC, IA, WV, WI.
Upgrade Triple Cash Rewards Visa®
ReviewsSave to Compare