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Upgrade Triple Cash Rewards Visa®
Apply Now
On Upgrade'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 and $0 activation fees. Interest rates as low as 14.99%.
Easy Online Application
See if you qualify without hurting your credit score. Applicants with 640+ FICO® scores have better chances of approval.
Card Network
Annual Fee
$0
Credit Score Needed
Good, Fair
Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®
Offer Details

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • 3% unlimited cash back on every purchase in Home, Health, and Auto categories

  • No annual fee

  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more

  • Up to 10% cash back from your favorite brands with Upgrade Shopping

  • No touch payments with contactless technology built in

  • See if you qualify in seconds with no impact to your credit score

  • Great for large purchases with predictable payments you can budget for

  • Mobile app to access your account anytime, anywhere

  • Use your card anywhere Visa is accepted

  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

  • *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® 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.

  • APPLY NOW for the Upgrade Triple Cash Rewards Visa®
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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, or returned payment 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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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.
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