Crypto Cards Rating:
Our Rating
Why we love this card:
- 1-3% Cash Back on all purchases
- Get Pre-Approved in Minutes
- $0 Annual Fee
- No Fees
- Credit lines from $500 to $25,000
Easy Approval Process
Upgrade will show you if you're pre-approved instantly without hurting your credit score. Get started by clicking "Check if I Qualify".
*To qualify for the $200 welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.
Details
- Click "Check if I Qualify" to securely apply online.
- 1-3% Cash back on all eligible purchases
- Combine the functionality of a credit card with the lower APR of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Check to see if you qualify without hurting you credit score (click here)
- Access a virtual card on your phone before your card is shipped to you
- Makes bigger purchases easy by breaking it into predictable payments
- Enjoy Visa $0 Fraud liability
Rated Best for:
Editorial Disclosure
Upgrade Triple Cash Back Visa®️ Credit Card
Who is the Upgrade Triple Cash Back Visa®️ Credit Card for?
The Upgrade Visa®️ Credit Card is for anyone who wants a rewards credit card with a $0 annual fee. Their 3% cash back feature is for purchases for your home, car, or health products. Upgrade offers credit lines ranging from $500 to $25,000. If you are rebuilding your credit, expect to get a credit line closer to $500 when you start out.
Pros
- Up to 3% cash back on special categories
- No Annual Fee
- 1.5% cash back
- Applying through our link doesn't hurt your credit score
- Upgrade allows you to check if you would qualify for the card before applying
Cons
- Upgrade doesn't have great reviews for customer support
- 1% cash back on everything else (outside of special categories)
Would I Get Approved?
If you click "Apply Now" or "Get Started" you can go to a form on Upgrade's website that will allow you to see if you would qualify - with NO impact to your credit score. This process is called "pre-qualification" and still requires basic info from you, but is a risk free way to see if you would get approved for the card, your potential credit limit, and APR.
No Annual Fee
The Upgrade Triple Rewards Visa®️ Credit Card has no annual fee so this is a stress-free card to add without an annual fee looming over you. You may be able to help your credit score by having established lines of credit over a longer period, so grabbing a no annual fee card like this can help you accomplish that.
Benefits
The Upgrade Triple Rewards Card is a new type of credit card that helps you manage your debt while earning cash back. It is designed to budget and pay off your credit card balance easier, by having fixed monthly payments and no variable interest rates. The Upgrade Card treats your debt like a personal loan, only allowing the amount owed to change when you don't pay it in full — typically within 24-60 months depending on what the card issuer approves for you.
Lastly, applicants with FICO credit scores of 600 or above can qualify for the Upgrade Card, and there aren't hidden fees. There's no security deposit or annual fee. This card can help build your credit because they report on-time payments to the three major credit bureaus.
Cautions
Don't spend more than you can afford - be smart! Also, the 3% cash back is excellent if you are spending frequently in home, auto, or health related categories - otherwise it is just okay at 1% cash back for everything else. The Upgrade Credit Card is currently not available to residents of Iowa, West Virginia, Wisconsin, and Washington, D.C. Upgrade's setup can be slightly confusing for some people because it is setup as a loan that can be accessed with card. Some users reported not liking this.
Other Options
You may want to earn cryptocurrency, in which you should checkout the Bitcoin Rewards Card from Upgrade. It will only earn you 1.5% back in BTC, but if you can get approved for the Triple Rewards card, you should be able to qualify for the Bitcoin Rewards Card as well.
Conclusion
If you want a rewards card that has a great cash back percent for common categories (Home, Auto, and Health). Then this could be a great option for you. We like recommending cards with a pre-qualify tool like Upgrade because you can see if you would qualify without harming your credit score.
Complete Card Details
Rewards Rate
1-3%
Welcome Bonus
N/A
Typical Credit Score
Average, Good, Excellent
Intro Annual Fee
$0
Annual Fee
$0
Additional User Annual Fee
$0
Foreign Transaction Fee
$0
Intro Purchase APR
None
Regular Purchase APR
8.99% - 29.99% (Variable)
Cash Advance Fee
N/A
Cash Advance APR
26.99%* Variable
Late Fee
N/A
Intro Balance Transfer APR
None
Regular Balance Transfer APR
N/A
Penalty APR
N/A
Balance Transfer Fee
N/A
Return Payment Fee
Up to $39
Minimum Deposit
N/A
Credit Card Network
Visa
Credit Card Issuer
Sutton
Upgrade Credit Card FAQ
What is the minimum credit score required to Upgrade Visa®️ Credit Card?
Upgrade hasn't stated what the minimum credit score that is required, luckily you can check to see if you would be approved for the card without harming you credit score. You can check by clicking "Get Started" below. They recommend having average credit or better to qualify for a rewards card.
What is the Annual Fee for Upgrade Visa®️ Credit Card?
There is no Annual Fee for Upgrade Visa®️ Credit Card.
What is the Regular Purchase APR for Upgrade Visa®️ Credit Card?
The Regular Purchase APR for Upgrade Visa®️ Credit Card is 8.99% - 29.99%
What is the Intro Balance Transfer APR for Upgrade Rewards Visa® Credit Card?
The Upgrade Rewards Visa® Credit Card does not support Balance Transfers.
What is the Regular Balance Transfer APR for Upgrade Rewards Visa® Credit Card?
Upgrade Rewards Visa® Credit Card does not support Balance Transfers.
No commitment to apply.
General Disclaimer
Crypto Cards is an independent credit card comparison service that provides analysis tools and editorial opinions. We believe in the future of decentralized finance that will provide better financial equality and transparency, we suggest using our free recommendation service which analyzes crypto wallet produce data-driven recommendations. Note that we receive compensation from some (but not all) financial or crypto products that we review which may impact where we display the products of our partners.
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The editorial content on this page is based solely on objective, independent assessments by our writers and editors and is not influenced by advertising or partnerships. It has not been provided or commissioned by any advertiser. However, we may receive compensation when you click on links to products or services offered by our partners. This helps us keep this website free and informative.
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