Upgrade Triple Cash Rewards Visa®
on Upgrade's website
Upgrade Triple Cash Rewards Visa®
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%
Foreign transaction fee
None
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR8.99%-29.99% APR | Regular APR15.99%-24.99% Variable APR | Regular APRN/A |
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Rating details
4.4
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 Visa® Card with Cash Rewards, 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 Visa® Card with Cash Rewards 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.
