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Upgrade Triple Cash Rewards Visa®
Apply Now
On Sutton Bank, Member FDIC's secure site
Rewards Rate
Earn unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
$0 Fees
$0 annual fee, $0 activation fees, $0 maintenance fees. Interest rates as low as 14.99%.
Easy Online Application
See if you qualify without hurting your credit score. Applicants with 620+ FICO® scores have better chances of approval.
Card Network
Annual Fee
$0
Credit Score Needed
Good, Fair
Offer Details
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*

  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else

  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees

  • 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

  • Access to a virtual card while you wait for your card to arrive in the mail

  • 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

  • *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Upgrade Triple Cash Rewards Visa® Review

February 3, 2022

Who is the Upgrade Triple Cash Rewards Visa® for?

The Upgrade Triple Cash Rewards Visa® is a unique credit card that features the low cost and flexibility of a personal loan with the added benefit of a generous cash back rewards system. Cardholders can earn unlimited cash back when paying off their credit card balance - 3% on Home, Auto and Health categories and 1% on everything else.

The main appeal of this card is the fact that such generous cash back rewards programs are typically reserved for the prime credit score segment but this offer from Upgrade is available for anyone with Fair/Good/Excellent credit. Another great perk is that the card has virtually zero fees to worry about - there is no annual fee, monthly maintenance fee, late payment fee, returned payment fee, or foreign transaction fee. The interest rate is very rare in this segment as well - you can qualify for an APR as low as 14.99% depending on multiple factors such as your credit score, credit usage history, requested credit line, etc.

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The card offers that appear on this site are from companies from which BestCreditCard receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCreditCard does not include all card companies or all card offers available in the marketplace.
Editorial Disclaimer
All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.