Upgrade Triple Cash Rewards Visa Card

Card Value & Cash Back Calculator

The Upgrade Triple Cash Rewards Visa Card earns 3% cash back on home, auto and health purchases and 1% back on everything else. It's a hybrid card that can be used like a normal credit card or you can take out a personal loan by drawing from your credit limit to fund your bank account.

Intro Bonus: $200 bonus

Rewards Rates

Earn 3% cash back on home purchases which includes appliance stores, landscaping, home repairs, home improvement stores, hardware stores, and furniture stores.
Earn 3% cash back on auto purchases which includes car washes, auto repairs, auto part stores, car dealership purchases, and towing services.
Earn 3% cash back on health purchases which includes gym memberships, gym equipment purchased directly from vendor, sporting good stores, pharmacies, doctor offices, health and beauty services, and spas.
Earn 1% cash back on all other purchases.

Current Intro Bonus

Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Key Cardholder Benefits

  • Available To FICO Scores of 600 and up
  • Average Credit Limits Ranging From $500 to $20,000
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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
  • Reports to all three major credit bureaus

Annual Fees

The Upgrade Triple Cash Rewards Card has a $0 annual fee.

Cash Back Calculator

Calculate how much cash back you can earn with the Upgrade Triple Cash Rewards Card based on spend. Results can be compared side by side any U.S. credit card featured on the site.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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