Upgrade Triple Cash Rewards - 3% Back Calculator & Benefits

Cash Back Calculator
Review the benefits of the Upgrade Triple Cash Rewards Card, calculate how much cash back you can earn, and find out if you're pre-approved.
Last Updated 2021-12-26

The Upgrade Triple Cash Rewards 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.

Overall, it's a great card to have as it offers a great return across categories that typically feature large purchases and you can turn those purchases into a fixed-rate loan with equal monthly payments if you decide carry the balance.

Card Details At-A-Glance

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Annual Fee
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Upgrade Triple Cash Rewards Bonus Categories

The Upgrade Triple Cash Rewards Card features the following bonus categories and earning rates:

There's no cap on the amount of cash back you can earn spending in these categories and no cap on the amount of cash back you can earn with the card overall.

3% Home

The Upgrade Triple Cash Rewards Card earns 3% back on home purchases. This includes appliance stores, landscaping, home repairs, home improvement stores, hardware stores, and furniture stores.

3% Auto

The Upgrade Triple Cash Rewards Card earns 3% back on auto purchases. This includes car washes, auto repairs, auto part stores, car dealership purchases, and towing services.

3% Health

The Upgrade Triple Cash Rewards Card earns 3% back on health purchases. This includes gym memberships, gym equipment purchased directly from vendor, sporting good stores, pharmacies, doctor offices, health and beauty services, and spas.

1% Everything Else

All other purchases made on the Upgrade Triple Cash Rewards Card will earn you 1% cash back.

Upgrade Triple Cash Rewards Card Benefits

The Upgrade Triple Cash Rewards Card features the following card 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

Overall, the Upgrade Triple Cash Rewards Card offers a high amount of cash back in categories that typically include large purchases which allows you to earn rewards rather quickly. On top of that, purchases can be converted into a fixed-rate loan which makes this great for emergency purchases as well.

Other Important Details

Listed below are a few other important pieces of information on the Upgrade Triple Cash Rewards Card.

Availability

Do note that the Upgrade Triple Cash Rewards Card is not available in the following states:

  • Iowa
  • West Virginia
  • Wisconsin
  • Washington

Credit Line & Pre-Approval

The Upgrade Triple Cash Rewards Card allows you to see what credit line you'd qualify for without initiating a hard pull on your credit report. This is great because your credit report will not get dinged by a pull and you'll be able to get an idea of what kind of limit you'll have access to if you decide to pick up the card.

Upgrade Pre-Approval Tool

Upgrade Triple Cash Rewards Card 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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