Credit Cards (US)

Upgrade Triple Cash Rewards Visa® review

Upgrade launches one more credit card full of rewards. Read the Upgrade Triple Cash Rewards Visa® review and learn more about its benefits, such as unlimited cash back and no annual fee!

Upgrade Triple Cash Rewards Visa® card.

Check out this Upgrade Triple Cash Rewards Visa® review. Source: The Mister Finance.
Check out this Upgrade Triple Cash Rewards Visa® review. Source: The Mister Finance.

In today’s Upgrade Triple Cash Rewards Visa® review, you’ll learn about the pros and cons of this great financial product!

So, Upgrade is a fintech company that claims to deliver a whole innovated way to do finances. It offers a new banking experience to its customers, and it features affordable loans and cards.

Upgrade Triple Cash Rewards Visa®

How to get an Upgrade Triple Cash Rewards Visa®?

Upgrade Triple Cash Rewards Visa® is a hybrid credit card and personal loan. Learn how to apply for one!

And one of those cards is the Upgrade Triple Cash Rewards, a Visa® credit card that rewards you with unlimited cash back on all payments.

So, if you are interested in getting one, read the review right below to see if it fulfills your needs.

Credit ScoreAverage – Excellent 
Annual Fee$0
Regular APRFrom 14.99% to 29.99%.
Welcome bonus$200 bonus after opening a Rewards Checking account and making 3 debit card transactions.
RewardsUp to 3% cash back on payments.

How does the Upgrade Triple Cash Rewards Visa® credit card work?

Learn how this card works. Source: Pexels.
Learn how this card works. Source: Pexels.

Upgrade credit cards convert carried balance into fixed-rate installment loans at low costs. So, besides the rewards and other regular credit card features, you can feel peace of mind with predictable loans.

This is a card that offers $0 annual fee, $0 activation fees, and $0 maintenance fees.

Also, it doesn’t charge a foreign transaction fee or a return payment fee.

Even though it does not offer welcome bonuses, the unlimited up to 3% cash back is pretty good.

Besides that, it offers a great mobile app, and a $0 fraud liability.

Upgrade Triple Cash Rewards Visa® benefits

This Upgrade card functions as a hybrid credit card and personal loan at low costs. Even though it can reach 29.99% APR, note that it doesn’t charge most of the fees that other cards do.

Plus, it offers unlimited cash back on all payments, as follows:

  • 3% cash back on payments in Home, Auto, and Health categories;
  • 1% cash back on all other payments;

In addition, it provides you with a mobile app, a high range of credit lines, and a $0 fraud liability.

However, it doesn’t allow balance transfers, and it requires a good credit score for the application process.

Pros

  • Unlimited cash back on all payments;
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions;
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees;
  • Hybrid credit card and personal loan;
  • Credit line from $500 to $25,000;
  • Contactless technology;
  • Mobile app;
  • $0 fraud liability;
  • Visa® convenience and acceptance.

Cons

  • It requires at least a 630+ credit score;
  • APR can reach 29.99%, which is quite high;
  • It doesn’t allow balance transfers;
  • Not available in DC, IA, WV, and WI.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

You will be redirected to another website

How good does your credit score need to be?

It is recommended that you have punctuation of at least a 630 credit score, nearly as good credit for the application.

How to apply for an Upgrade Triple Cash Rewards Visa®?

If you are interested in getting your cash back right away, learn now how to get your Upgrade Triple Cash Rewards Visa® credit card by reading our next post!

Upgrade Triple Cash Rewards Visa®

How to get an Upgrade Triple Cash Rewards Visa®?

Upgrade Triple Cash Rewards Visa® is a hybrid credit card and personal loan. Learn how to apply for one!

Disclaimer: To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

Trending Topics

content

Bitsgap trading bot full review

Looking for a trading bot to make the best out of your tradings? Bitsgap can be the one for you. Check out our Bitsgap trading bot review!

Keep Reading
content

How to apply for the Ollo Rewards Mastercard®?

Do you need a rewarding card to help you get cashback with low fees? If so, read on to learn how to apply for the Ollo Rewards Mastercard®!

Keep Reading
content

How to apply for the Oportun® Visa® card?

If you need a credit card accepted worldwide and with no need for credit history, read our post about how to apply for a Oportun® Visa® card!

Keep Reading

You may also like

content

How to buy a second home with no down payment

Becoming a homeowner just got easier! Discover how to buy a second home with no down payment. Keep reading and learn more!

Keep Reading
content

Veterans United Home Loans review: how does it work and is it good?

Veterans United Home Loans could help finance your dream home. Enjoy no down payment loan options and more! Keep reading!

Keep Reading
content

Citi Custom Cash℠ Card review: is it worth it?

The Citi Custom Cash℠ Card offers great welcome bonuses and rewards. Interested? Learn everything about this credit card here!

Keep Reading