Earning Rates

The Upgrade Triple Cash Card earns cash back at the following rates:

  • 3% cash back on home.
  • 3% cash back on auto.
  • 3% cash back on health.
  • 1% cash back on everything else.

These three categories cover a LOT of subcategories. The breakdown of each category is listed below.

  • Air Conditioning and Refrigeration Repair Shops
  • Carpentry
  • Carpet and Upholstery Cleaning
  • Construction Materials Not Elsewhere Classified (Business to Business MCC)
  • Contractors, Concrete
  • Drapery, Window Covering, and Upholstery Stores
  • Durable Goods Not Elsewhere Classified (Business to Business MCC)
  • Electrical Contractors
  • Equipment, Tool, Furniture, and Appliance Rental and Leasing
  • Fireplaces, Fireplace Screens and Accessories Stores
  • Floor coverings, Rugs
  • Furniture - Reupholster, Repair, and Refinishing
  • Furniture, Home Furnishings, and Equipment Stores, except Appliances
  • General Contractor/Residential Building
  • Glass, Paint, and Wallpaper Stores
  • Hardware Stores, Equipment Utilities Regulated
  • Hardware, Plumbing, Heat Equipment and Supplies (Business to Business MCC)
  • Heating, Plumbing, Air Conditioning Contractors
  • Home Supply Warehouse
  • Household Appliance Stores
  • Landscaping and Horticultural Services
  • Lumber & Building Materials Stores
  • Masonry, Stonework, Tile Setting, Plastering, Insulation Contractors
  • Miscellaneous Home Furnishing Specialty Stores
  • Nurseries and Lawn and Garden Supply Stores
  • Paints, Varnishes and Supplies (Business to Business MCC)
  • Plumbing and Heating Equipment and Supplies (Business to Business MCC)
  • Roof, Siding, and Sheet Metal Work Contractors
  • Special Trade Contractor - Not Elsewhere Classified
  • Swimming Pools--Sales, Supplies, and Services

  • Automobile Rental Agency
  • Automotive Paint Shops
  • Automotive Service Shops (Non-Dealer)
  • Automotive Tire Stores
  • Automotive Top & Body Shops
  • Camper, Recreational and Utility Trailer Dealers
  • Car and Truck Dealers (New and Used) — Sales, Service, Repairs, Parts, and Leasing
  • Car and Truck Dealers (Used) — Sales, Service, Repairs, Parts, and Leasing
  • Car Washes
  • Miscellaneous Automotive, Aircraft, and Farm Equipment Dealers — Not Elsewhere Classified
  • Mobile Home Dealer
  • Motor Home and Recreational Vehicle Rentals
  • Motor Home Dealers
  • Motor Vehicle Supplies and New Parts (Business to Business MCC)
  • Motorcycle Dealers
  • Snowmobile Dealers
  • Tire Retreading & Repair
  • Towing Services
  • Truck and Utility Trailer Rentals

  • Bicycle Shop-Sales and Services
  • Chiropractors
  • Counseling Services - Debt, Marriage, and Personal
  • Dance Halls, Studios & Schools
  • Dentists and Orthodontists
  • Doctors and Physicians - Not Elsewhere Classified
  • Drug Stores and Pharmacies
  • Health and Beauty Spas
  • Hearing Aids--Sales, Service, and Supplies
  • Hospitals
  • Medical and Dental Laboratories
  • Medical Services Health Practitioners - Not Elsewhere Classified
  • Membership Clubs (Sports, Recreation, Athletic), Country Clubs, and Private Golf Courses
  • Nursing and Personal Care Facilities
  • Optometrists and Ophthalmologists
  • Orthopedic Goods and Prosthetic Devices
  • Osteopathic Physicians
  • Podiatrists and Chiropodists
  • Public Golf Courses
  • Recreation Services - Not Elsewhere Classified
  • Sporting Goods Stores
  • Sports and Riding Apparel Stores

Key Benefits

Here are the main benefits of the Upgrade Triple Cash Rewards Card:

  • High Credit Limit: Get a credit line from $500 to $25,000.
  • Lower Cost: Set payoffs bring your balance down faster so you can pay less interest.
  • Turn Purchases Into a Loan: Combine the flexibility of a credit card with the predictability of a personal loan — pay down balances from each month at a fixed rate and term.
  • Touch Payments: No touch payments with contactless technology built in.
  • Get Pre-Approved: See if you qualify in minutes without hurting your credit score.

Fees

Annual Fee

The Upgrade Triple Cash Rewards Card does not have an annual fee which is fantastic considering that you can earn 3% back across so many categories that aren't covered by your average everyday cards. Just be sure to pay off the charges if you don't want them to be converted into a fixed-rate loan.

Foreign Transaction Fee

The Upgrade Triple Cash Rewards Card has a 3% foreign transaction fee. This makes it a terrible choice for purchases outside of the United States.