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Upgrade Triple Cash Rewards Visa® full review: should you get it?

Read this complete review to learn the main advantages and disadvantages of the Upgrade Triple Cash Rewards Visa® with the best cash back program.

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Upgrade Triple Cash Rewards Visa®: a cashback program that will pay your balance virtually by itself

Upgrade Triple Cash Rewards Visa®
Check out the Upgrade Triple Cash Rewards Visa® review. Source: Foster the Money.

A cashback program that will pay a large part of your monthly bill without you even realizing it. In fact, this is one of the biggest advantages of the Upgrade Triple Cash Rewards Visa®.

Below is a table that summarizes the main credit card/personal loan service benefits.

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®: check out how to apply!

Learn how to request your Upgrade Triple Cash Rewards Visa® with 3% on your main purchases and an excellent line of credit.

Credit Score670-850 (good to excellent)
Annual Fee$0
Regular APRFrom 14.99% to 29.99% variable APR
Welcome bonus$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Rewards3% cash back on eligible purchases, such as home, automobiles, and health, 1% for other purchases

Upgrade Triple Cash Rewards Visa®: learn more about this financial product

In effect, this card is an improvement of its “little brother”, the Upgrade Cash Rewards Card. If the simplest version, the Cash Rewards Card, offers 1.5% cashback, the Triple version goes even further.

Indeed, the Triple model offers 3% on acquisitions in the home, auto and healthcare sectors. For purchases in any other sector, you will receive 1%. The program is unlimited and adds its value to the next invoice when you make the payments on time.

Thus, the purchase sessions chosen for higher percentages can make a big difference when paying your balance. Usually, purchases of home products, car and health items and services are expensive, which generates a high return:

Home

  • Includes products available at hardware and home improvement stores;
  • Cleaning products and services;
  • Landscaping services;
  • Home repairs;
  • Appliances;
  • Furniture;

Automobiles

  • Purchase of accessories;
  • Repairs and towing;
  • Auto parts;
  • Washing;

Health

  • Fitness equipment for home workouts (does not include products purchased from retailers such as Amazon or Target);
  • Health and beauty services;
  • Doctor’s appointments;
  • Sporting goods stores;
  • Club memberships;
  • Pharmacies;
  • Spas.

Like the other cards in the Upgrade line, this card also offers a personal loan option. Depending on your credit score, you can have access to amounts ranging from $500 to $25,000.

Below, learn about other advantages and disadvantages of this credit product:

Upgrade Triple Cash Rewards Visa® features

Upgrade Triple Cash Rewards Visa®
Learn more about the card’s pros and cons! Source: Upgrade.

Much more than a cashback program: discover the main advantages of having this card with your name.

What are the benefits? 

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*;
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases;
  • No annual fee;
  • 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;
  • 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.

And what are the drawbacks?

  • As the APR range for this product is high, lower scores tend to have a less-than-interesting rate;
  • No balance transfers allowed;
  • Cannot be used at ATMs;
  • This card is not available in DC, IA, WV, and WI.

What credit score do you need to get the Upgrade Triple Cash Rewards Visa®?

The Upgrade Triple Cash Rewards is available to people who have at least an average credit score. That way, you can apply with 670 points.

However, your score and history will directly affect the APR and loan amount you will have access to. The advantage of this card is that you can know what your APR will be before finalizing the order.

So, you can check in advance whether this option is advantageous for you.

How does the Upgrade Triple Cash Rewards Visa® application process work?

Having a card with 3%+1% cashback is easier than you might think. Click on the link below and learn how to order yours!

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®: check out how to apply!

Learn how to request your Upgrade Triple Cash Rewards Visa® with 3% on your main purchases and an excellent line of credit.

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.

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