Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

on Upgrade's website

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®

on Upgrade's website

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Card details

  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else

  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees

  • Combine the flexibility of a card with the low cost and predictability of a loan

  • 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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-3%

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 8.99% - 29.99% APR

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

8.99% - 29.99% APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Rating details

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No prepayment penalty, late fees or penalty APR

  • No annual fee

  • Pay down balances at a fixed interest rate with equal monthly payments

Cons
  • Potentially high APR

  • No balance transfers allowed

The Upgrade Triple Cash Rewards Visa®, issued by Sutton Bank, is the newest credit card offering from financial startup Upgrade. Much like the Upgrade Card, it’s a credit card/personal loan hybrid product that earns cash-back rewards.

The $0-annual-fee Upgrade Triple Cash Rewards Visa® earns 3% cash back on home, auto and health purchases, and 1% on everything else. To compare, the Upgrade Card earns 1.5% cash back on all purchases.

You can use the Upgrade Triple Cash Rewards Visa® in two ways:

- As a credit card: Make purchases wherever Visa cards are accepted. You can also add the card to Apple Pay or Google Pay. If you don’t pay your credit card bill in full, the remaining balance will become a fixed-rate loan you pay back in equal monthly installments.

- As a personal loan: You can request funds be sent to your bank account, up to your credit limit. Once your request is approved, you pay back the loan over a set period of time at a fixed interest rate. Note that you can’t use the Upgrade Triple Cash Rewards Visa® at ATMs for cash advances.

For more information, read Nerdwallet's full review of the card.