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RewardZ Travel
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Verified May 2026

Upgrade Triple Cash Rewards Visa

Upgrade|Personal
/5
Annual Fee
$0
Sign-Up Bonus
$200 statement bonus
Bonus Value
$200

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Is this card worth it?
Annual fee
$0
Welcome offer
$200 statement bonus
Est. value
$200
Best for
Cash-Back

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

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Earning Rates

3x
home purchases
3x
auto purchases
3x
health purchases
1x
all other purchases

Important considerations

  • Charges foreign transaction fees

    This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

  • Rewards do not transfer to travel partners

    Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.

Upgrade Triple Cash Rewards Visa

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Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-05-24

No publishable welcome offer (no-current-offer).

  • Charges foreign transaction fees. This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
  • Rewards do not transfer to travel partners. Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.

Computed 2026-08-25T22:26:47.974Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

2
  • 3%

    Unlimited 3% cash back on Home (hardware, home supply, landscaping, plumbing, AC, furniture, appliances), Auto (parts, dealers, car washes, tires, repair, towing), and Health (gym, exercise equipment, pharmacies, doctor visits, spas)

  • 1%
    everything else

    Unlimited 1% cash back on all other purchases

Travel & purchase protections

1
  • Visa Signature benefits: Extended Warranty Protection, Price Protection, Roadside Dispatch, Travel and Emergency Assistance Services
More benefits & fine print (4)Show
  • Cash back is earned as the balance is paid down, not at point of purchase (Upgrade converts balances into fixed-rate installment loans)
  • $200 welcome bonus for opening and funding a new Upgrade Rewards Checking Preferred account plus 3 debit transactions within 60 days of card opening
  • Credit lines $500 to $25,000 for most approved applicants (some up to $50,000)
  • Issued by Cross River Bank or Sutton Bank depending on state

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

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How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn $200 statement bonus

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

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