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Upgrade Triple Cash Rewards Visa®
BEST FOR: Our pick for unlimited cash back on payments
Upgrade Triple Cash Rewards Visa® Review
The Upgrade Triple Cash Rewards Visa® is a compelling choice for individuals looking to streamline their finances, as its hybrid model offers an innovative approach to managing purchases and debt with less worry about fluctuating interest rates.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
This site is compensated by companies whose listings appear on this site. This compensation may impact how and where listings appear (such as the order or which listings are featured). This site does not include all companies or products available.
Upgrade Triple Cash Rewards Visa®
SIGN-UP BONUS
$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
REWARDS RATE
Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
Regular Purchase APR
14.99% - 29.99% APR
Annual Fee
$0
Rewards Rate
Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
Annual Fee
$0
Card Brand
Visa®
Recommended Credit Score
Fair / GoodHighlights
- $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. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
Additional Info
Foreign Transaction Fee
Up to 3%
Balance Transfer Fee
Up to 5%
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for unlimited cash back on payments
From the LendingTree editorial team, updated on Feb 19, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
The Good
- The Upgrade Triple Cash Rewards Visa® offers a solid cash back rewards rate, allowing cardholders to earn unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else. We also like that this card operates a credit card and a personal loan hybrid product.
The Not So Good
- The card's requirement for cardholders to convert their balances into installment loans might not appeal to those who prefer the traditional flexibility of managing their credit card debt.
The Bottom Line
The Upgrade Triple Cash Rewards Visa® is a compelling choice for individuals looking to streamline their finances, as its hybrid model offers an innovative approach to managing purchases and debt with less worry about fluctuating interest rates.
Editorial Note: This content is not provided by Upgrade. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Upgrade.
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Rewards Rate
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Fees
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Sign-Up Bonus
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Flexible Redemption
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Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
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Ongoing APR
18.24% - 27.24% Variable APR
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