Upgrade Triple Cash Rewards Visa

Earning Rates

Key Benefits

All Benefits

• 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)
• Unlimited 1% cash back on all other purchases
• Cash back is earned as the balance is paid down, not at point of purchase (Upgrade converts balances into fixed-rate installment loans)
• $0 annual fee; variable purchase APR 14.99% to 29.99% based on creditworthiness
• $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
• Up to 3% foreign transaction fee; up to 5% balance transfer fee; late fee up to $29
• Hybrid credit-card / personal-loan structure: revolving balances convert to fixed-APR equal-monthly-installment payoff schedules
• Visa Signature benefits: Extended Warranty Protection, Price Protection, Roadside Dispatch, Travel and Emergency Assistance Services