Credit Cards»Visa Credit Cards»Upgrade Triple Cash Rewards Visa®
Upgrade Triple Cash Rewards Visa®See Rates & Fees
Partner Offer

Upgrade Triple Cash Rewards Visa®

Our rating:3.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Fair to Good credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
When you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Apply now at Upgrade's secure site
Intro Bonus
$200Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
Reward Rates
3%Unlimited cash back on payments - 3% on Home, Auto and Health categories
1%1% on everything else
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
14.99% - 29.99%
Annual Fee


  • 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

Staff Review

Editor's Rating:

3.0 out of 5

Our take:The Upgrade Triple Cash Rewards card lets users combine the convenience of a credit card with the predictability and consistency of a personal loan. Better yet, it lets cardholders earn rewards on their purchases, and it’s available to people with fair credit scores. 

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.