Credit Card

Upgrade Triple Cash Rewards Visa®: For Cash Back lovers

Check out our full review of the Upgrade Triple Cash Rewards Visa® card, an intriguing option for those seeking a new cashback rewards credit card, including its pros and cons.

Advertisement

Review of Upgrade Triple Cash Rewards Visa®: Get 3% cash back on eligible purchases

Upgrade Triple Cash Rewards Visa® review.
Upgrade Triple Cash Rewards Visa® review.

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 needed. Higher credit limits than other cards. Works like a personal loan, ideal for big purchases. Read the full review to learn more.

card

Credit Card

Upgrade Triple Cash

CASH BACK VISA SIGNATURE

No foreign transaction fees and a lot of cashback. Excellent payment conditions.

You will remain in the same website

Excellent, Good, Fair, Average.

No annual fee required for this card.

14.99% to 29.99% APR – variable.

Get a $200 bonus by opening a Rewards Checking account and completing three debit card transactions.

Get 3% cash back on specific categories and 1% on all other purchases.

Is the Upgrade Triple Cash Rewards Visa® legit?

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:

  • Health: gym memberships, spas, fitness equipment, and more;
  • Auto: car washes, automotive parts, repair and maintenance services, and more;
  • Home: home repairs, gardening, and shopping at IKEA, among others.

Should you consider getting an Upgrade Triple Cash Rewards Visa®?

Earn 3% cashback when you purchase exercise equipment using your Upgrade Triple Cash Rewards card.
Earn 3% cashback when you purchase exercise equipment using your Upgrade Triple Cash Rewards card.

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.

Apply for the Upgrade Triple Cash Rewards Visa®!

Get all the information you need to apply and enjoy the benefits of Upgrade Triple Cash Rewards Visa® in this article.

Pros

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.

Cons

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.

Credit score required

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.

How to apply for Upgrade Triple Cash Rewards credit card?

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.

Apply for the Upgrade Triple Cash Rewards Visa®!

Get all the information you need to apply and enjoy the benefits of Upgrade Triple Cash Rewards Visa® in this article.

*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.