Curious about the name of the Upgrade Triple Cash Rewards Visa®? It’s because you can earn 3x cashback on essential purchases for your home, car, and health.

No perfect credit score is needed. Higher credit limits than other cards. Works like a personal loan, ideal for big purchases. Read the full review to learn more.

Using a card without foreign transaction or activation fees is great, but it’s even better to get rewarded for it. Is the Upgrade Triple Cash Rewards Visa® a legitimate option?

This card is a hybrid of a credit card and a personal loan, offering a higher maximum limit compared to other cards in the same category.

It also offers rewards such as 1% cash back on all purchases and 3% cash back in the following categories:

This card offers a high credit limit and competitive prices, making it an excellent choice for large purchases.

Unlike loans, which do not provide rewards, the Upgrade Triple Cash Rewards Visa® offers cashback incentives.

This card functions as both a credit card and a personal loan, allowing you to divide your balance into fixed-rate monthly payments.

You can apply even with a less-than-perfect credit score, though it affects your credit limit and interest rates. The credit lines range from $500 to $25,000.

The 3% cashback bonus categories are practical, with 1% cashback on all other purchases, received upon bill payment. Using this card incurs no annual fee.

High APR. Some experts argue it’s a loan or line of credit, subject to different regulations than credit cards. Read terms and conditions before applying. Not available in DC, IA, WV, WI.

Minimum credit score requirement is 630 or higher to be eligible for the card. A higher credit score can lead to better offers, APRs, and credit limits.

Get an Upgrade Triple Cash Rewards online if you are a US citizen, 18 years or older and have a US address.

You can pre-qualify for an offer with a soft pull, which is great. If you’re interested, you can continue with the application process. The following content contains this and other helpful information.

Before proceeding with a hard inquiry that can affect your credit score, Upgrade will perform a soft pull to present you with an offer. If you like the rates, you can then apply for the card.

To pre-qualify for the Upgrade Triple Cash Rewards Visa®, simply fill out the form on the Upgrade website with your basic information, including your full name, address, date of birth, and income.

Sign up with an email and password, agree to terms, and click “apply now” to submit your Upgrade Triple Cash Rewards Visa® application.

Note that this card is not available in DC, IA, WV, or WI. Upgrade will then review your application and provide an offer.

*Disclaimer: To qualify for the welcome bonus, open and fund a new Rewards Checking account, make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of opening your Upgrade Card account. Debit card transactions must settle and exclude ATM transactions. Refer to the Upgrade VISA® Debit Card Agreement and Disclosures for details. Your Upgrade Card and Rewards Checking account must be in good standing to receive the bonus. Prior Rewards Checking account holders or those who don’t open one during application are not eligible. Bonuses cannot be combined, substituted, or applied retroactively. The one-time payout credit will be applied to your Rewards Checking account within 60 days after the 3rd qualifying purchase.