Upgrade Triple Cash Rewards Visa®: Unmatched Cash Back on Key Spending

Earn 3% on vital expenses with no fee and loan flexibility.

Upgrade Triple Cash Rewards Visa®: Unmatched Cash Back on Key Spending


  • Annual Fee: $0, making it highly accessible.
  • Cash Back Rewards are 3% on Home, Auto, and Health purchases and 1% on all other purchases.
  • Credit Limit Range: Typically $500 to $25,000, catering to various financial needs.
  • APR: Variable 14.99%-29.99%, based on creditworthiness.
  • Unique Offering: Balance conversion to a fixed-rate loan for predictable repayments.


  • Rewarding Cash Back: Earn an unlimited 3% in essential and significant expenditure categories.
  • No Hidden Charges: Absence of prepayment penalty, late fees, or penalty APR.
  • Flexibility in Use: Functions as a credit card and a personal loan.
  • Accessibility: Fair to excellent credit scores (630-850) are considered, widening its reach.
  • Immediate Use: Virtual card availability is available right after approval for immediate access.


  • High APR Potential: Interest rates are higher for lower credit scores.
  • Exclusive Ownership: Cannot hold this card concurrently with certain other Upgrade cards.
  • Rewards Auto-Application: Cashback is automatically applied to balances, limiting flexibility.
  • Geographical Restrictions: Not available in select states and D.C.

Product Summary

The Upgrade Triple Cash Rewards Visa® sets a new standard for blending the advantages of credit cards with the predictability of personal loans. With no annual fee and cash-back rewards of up to 3% on home, auto, and health categories, it stands out as a financially sensible choice for those looking to manage large purchases or consolidate debts. The card's unique feature of converting remaining balances into fixed-rate loans underscores Upgrade's commitment to providing users with straightforward, manageable repayment options. While its potentially high APR advises caution for those with lower credit scores, its broad acceptance criteria make it an appealing option for a wide audience. Designed for the modern consumer, the Upgrade Triple Cash Rewards Visa® merges everyday spending rewards with the fiscal discipline of a loan, embodying a comprehensive financial tool.

Read more