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Use our Best Rewards Credit Card Finder Tool to find the highest credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly spend amounts you enter.
Use our Best Rewards Credit Card Finder Tool to find the highest business credit card offers and to calculate which credit cards will earn you the most rewards based on the monthly and yearly expenses you enter.
Calculate the transfer of points and miles between various loyalty programs worldwide and find out which credit card partners will earn you the most rewards.
This card is not available through The Point Calculator.
Earning Rates
Earn 3% cash back on home purchases.
Earn 3% cash back on auto purchases.
Earn 3% cash back on health purchases.
Earn 1% cash back on all other purchases.
Intro Bonus
Main Benefits
Available to FICO scores 600 and up, $500 to $25K credit limits, and $0 fees (no annual fee, no activation fees, and no maintenance fees).
Hybrid Card — 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.
Our Take
The Upgrade Triple Cash Rewards Visa Card is an excellent option for earning 3% back across a wide range of different purchases thanks to the relaxed categories featured on the card. It's also a great card in the case of emergencies due to the ability to take out a personal loan from the card itself.
Ads & Promos
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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
Perks & 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.
Card 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.
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.
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Credit Cards
Use this section to add credit cards to the calculator. You can search for a card or go through our top recommendations for each category.
Once you select a card, you'll be shown the details of the card. Any link you click on in the details will open up in a new tab, so you will not lose your calculations.
Clicking on Add Selected Card will add it to the calculator.
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Compare A Card
Add a credit card to compare side by side based on spend, benefits and fees.
Search Cards
Search for a credit card by name, rewards program, or the rewards currency it earns.
Search Results Display Here
Family Cards
These cards are part of the same family and generally earn the same type of rewards.
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Travel Cards
Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.
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Cash Back Cards
Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.
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Business Cards
Put money back into your business by earning cash back, points, or miles on business expenses. Many cards also offer travel insurance, purchase protection, and more.
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Airline Cards
These are the best credit cards if you're looking to use rewards towards award flights. Some of these cards also offer various benefits such as lounge access the ability to earn qualifying miles through spending.
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Hotel Cards
If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many of these cards also offer great benefits such as annual free nights, complimentary elite status, and more.
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No Annual Fee
If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.
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Intro Bonus:
Annual Fee:
Authorized User Fee:
Bonus Categories:
Loyalty & Memberships
Loyalty: When adding hotel rewards cards (and a select few others) you'll be able to factor in the points earned from elite status. If a card offers complimentary status, the proper status will be selected by default.
Loyalty is reflected by a blue LOY image. Adding a card with loyalty attached to it will add it to the calculator. It becomes its own entity once added to the calculator and can be removed independent of the card that added it.
Membership: If a card offers any kind of bonus rewards based on your membership in a program, the option will be listed here. Do note that some options calculate automatically.
Welcome Bonus: Any welcome bonuses that changes the earning rates of a card will also be listed here. This allows you to toggle the bonus on or off.
Use this section to enter how much you plan on spending either monthly or yearly across different categories for each card listed.
You can click on the option button for access to a lot of useful tools you can use to quickly adjust spending for the calculator.
Change the order of the categories in the Category Spending section. This has an impact on cards that have spend limits and bonus caps on categories.
Resets all fields in the Category Spending section for all columns. Also clears all saved spend values that carry from calculator to calculator.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Spend Region:
Category Spending Total
The amount of rewards earned from card spending.
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Rewards & Bonuses
If a card earns bonus points, miles, or cash back, it will be listed here. You'll be able to edit or toggle on/off most bonuses listed here.
Do note that some bonuses may be automatically calculated based on spend entered in the Category Spending section.
If you want to factor in an intro or welcome bonus, you can also do that here by entering it in the Extra Value field. You can click on View Offers when applicable to see current sign up bonuses for all top credit cards by category.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Extra Value
Use this field to add additional rewards to include in the calculation such as an intro or signup bonus.
Rewards & Bonus Total
The amount of rewards earned from card bonuses.
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Total Rewards & Cash Value
This is the total of all points, miles, and cash back earned between Loyalty & Memberships, Category Spending, and Rewards & Bonuses.
You can view the average value of the rewards based on popular redemptions and the transfer of rewards to partners (where applicable).
This is how much we value the rewards earned with the card on average based on our valuations. Cards that may offer bonus/additional value are reflected here.
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Transfers To Partners
Redemptions to do with transferring rewards to partner loyalty programs and redeeming them for high value (when applicable). These redemption values typically require knowledge of the best transfer partners.
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Cash Back, Statement Credits
Redemptions to do with turning your rewards into cash back or using it as a statement credit to offset purchases made to the card.
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Travel
Redemptions to do with using your rewards towards travel such as airfare, hotels, and car rentals (not including transfers to partners).
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Gift Cards
Redemptions to do with using your rewards towards the purchase of gift cards.
Enter how much you value a single rewards point or mile in cents or regional currency equivalent (X.XX). The value of cash back cannot be changed.
Rewards Cash Value
The average cash value of rewards earned in the Grand Total section based on the set Currency Worth.
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Monetary Bonuses
This section lists all monetary bonuses. This includes annual credits and top-tier benefits that can offer great monetary value.
If there's a perk or benefit missing that you find valuable, you can add how much you value it in the Extra Cash Value field.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Extra Cash Value
Use this field to add additional cash value to the calculations.
Total Cash Value
The total cash value of all listed benefits plus the cash value of rewards earned.
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Fees
With great benefits comes great annual fees. If a card has a fee that you have to pay annually (or monthly in rare cases), it will be listed here. You have the ability to change it.
If the card charges a fee for adding authorized users, it will also appear in this section.
Annual Fee
This is the fee you must pay annually to have the card.
Authorized User Fee
This is the cost to add additional users or supplemental cards to the account. Enter total amount of authorized users.
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Total Card Value
This is the total cash value of each listed card when factoring in all rewards and all fees.
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Learn More
Learn more about the card through our partners.
Our Top Credit Card Picks
We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:
Discover personalized credit card options that match your spending habits and maximizes your rewards.
View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!
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