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Calculator: Upgrade Triple Cash Rewards Visa Card

Card Value & Cash Back Calculator

Earning 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.

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.

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.

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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