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Upgrade Visa® Card Triple Cash Rewards

Make charges to your card or borrow against your credit line. Either way, you can pay off the balance in equal monthly installments at a fixed rate. It earns rewards, but it lacks certain other incentives and is not available everywhere.

Card details

Annual fee: $0

Credit limit: Typically $500 to $25,000. (Some borrowers may qualify for up to $50,000.)

Rewards rate: 1% – 3%

Type of card: Cash back

Credit Score: Average – Excellent (630 – 850)

Card benefits

  • No security deposit required.
  • Get pre-approved without hurting your credit scores.
  • Get instant access to a virtual card upon approval.
  • Pay down balances at a fixed interest rate with equal monthly payments.
  • No prepayment penalty, late fees or penalty APR.
  • Reports to all three major credit bureaus.
  • 3% Triple Cash Back in Home, Auto, and Health Categories
  • 1% cash back on everything else 

For whom this card is recommended

For the right person, the Upgrade card can elevate your bill-paying lethargy to something more robust.

Those who have fair credit and sometimes carry a balance, may find that the Upgrade card’s unique spin on financial discipline without any hidden costs could be a welcome change from the norm.

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