Credit Cards

Upgrade Triple Cash Rewards Visa® review: is it legit and worth it?

If you're looking for a new credit card with cash back rewards, the Upgrade Triple Cash Rewards Visa® is an interesting option. We are going to show you its pros and cons on this full review.

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Upgrade Triple Cash Rewards Visa® review: earn 3% cash back on selected purchases

Upgrade Triple Cash Rewards credit card
Upgrade Triple Cash Rewards Visa® review. Source: Upgrade

Are you wondering why the Upgrade Triple Cash Rewards Visa® has this name? It is because you can get 3 times more cashback buying some important items for your house, your car, or your health.

You don’t need a perfect credit score to get this card, and the credit limits are higher than other credit cards. It works like a personal loan, making it a good choice for big purchases.

Learn everything this card has to offer by reading this full review.

Upgrade logo

How do you get the Upgrade Triple Cash Rewards?

Do you need to make a big purchase? If so, apply for an Upgrade Triple Cash Rewards. You can split your balance into fixed-rate installments, just like a personal loan.

  • Credit Score: Excellent, Good, Fair, Average.
  • Annual Fee: Pay a $0 annual fee to enjoy this card.
  • Regular APR: Variable 14.99% to 29.99% variable APR.
  • Welcome bonus: $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions.
  • Rewards: Earn 3% cash back on selected categories and 1% cash back on everything else.

Upgrade Triple Cash Rewards Visa®: is it legit?

This card is a mixture of a credit card and a personal loan. So the maximum limit you can get is much higher than other cards in the same category.

Another advantage is the rewards. In addition to 1% cash back on all purchases, you can earn a 3% bonus in the following categories:

  • Health: take care of your health with gym memberships, spas, fitness equipment, etc.
  • Auto: everything related to your car can give you extra cashback: car washes, automotive parts, repair and maintenance services, etc.
  • Home: If you love making a trip to IKEA, you know what this category is all about. Your home repair and gardening can also give you rewards.

Upgrade Triple Cash Rewards Visa®: should you get one?

A sporty woman in sportswear is sitting on the floor with dumbbe
Buy your exercise equipment with your Upgrade Triple Cash Rewards and get 3% cash back. Source: Adobe Stock.

With competitive price offers and a high credit limit, this card might be a good deal if you need to make a big purchase. It works like a loan, but loans do not give rewards, while the Upgrade Triple Cash Rewards Visa® does. 

Pros

  • This credit card works like a personal loan too. You can split your balance into monthly installments at a fixed rate.
  • You don’t need an excellent credit score to apply. However, it will impact your credit limit and interest rates.
  • The credit lines start at $500 and go up to $25,000.
  • The bonus categories to earn 3% cash back are very useful. In every other purchase, you still get 1% cash back. You receive it when you pay your bill. 
  • You will pay a $0 annual fee to use this credit card and receive rewards for it.
  • Get a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions.

Cons

  • The APR can be very high.
  • Some experts consider it as a loan or a line of credit, and not as a credit card, and claim that the laws that regulate both are different. However, you can use it like a regular credit card. Just make sure to carefully read the terms and conditions before you apply for it.
  • This card is not available in DC, IA, WV, WI.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

It doesn’t have to be great, but it can’t be that bad either. You can give it a try if your credit score is at least 630 or higher. Remember that the better your score, the better the offer and the APR, as well as your credit limit.

Upgrade Triple Cash Rewards credit card application: how to do it?

Would you like to have an Upgrade Triple Cash Rewards? If so, you can do it online – if you’re at least 18 years old and have U.S. citizenship and address.

And the best part is that you can pre-qualify with a soft pull to check your offer. If you like it, then you can proceed with the application process. You can find this and many other useful pieces of information in the following content. 

Upgrade Triple Cash Rewards credit card

How to apply for the Upgrade Triple Cash Rewards?

Do you need to make a big purchase? If so, apply for an Upgrade Triple Cash Rewards. You can split your balance into fixed-rate installments, just like a personal loan.

*Disclaimer: 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.

About the author  /  Julia Bermudez

Julia Bermudez is a writer here on this portal. Since childhood, writing has been a passion, and her curiosity for different subjects led to this profession. Julia has a degree in Cultural Production, and her subjects of most significant interest are health, finances, and self-development.

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