To become eligible for the Upgrade Triple Cash Rewards Visa® Card, you need at least a fair credit score. That means a FICO score of 640+. Keep in mind that your score alone is no guarantee of approval, and Upgrade will also consider other key data points such as your annual income and existing debt.

All new cardholders will have a starting spending limit of $500. However, the maximum limit could be more depending on your credit standing. A high annual income combined with a high credit score will likely result in a higher limit.

Yes. The Upgrade Triple Cash Rewards Visa® Card offers up to 3% cash back on purchases. Cardholders will earn the amount once they pay their credit card bill. Once the amount has been earned, it will be applied to the card’s balance after the next bill payment.

Yes. All new applications for the Upgrade Triple Cash Rewards Visa® Card go through a hard pull performed by Upgrade. A hard pull means a slight impact on an applicant’s credit score, but it usually only lasts for a very short period of time.