Upgrade Triple Cash Rewards Visa Credit Card Review

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Upgrade bitcoin rewards credit card

Check If I Qualify

On Upgrade’s secure site

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Upgrade Cash Back Visa Credit Card

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

Rated Best for:


Cash Back


No Annual Fee


Building Credit

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

Cons

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.


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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.


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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.

Is Upgrade a real credit card?

Yes, Upgrade is a legitimate credit card backed Sutton Bank, Member FDIC. You can check to see if you qualify for one of their cards by clicking here with no harm to your credit score.

What is the Annual Fee for Upgrade Visa®️ Credit Card?

There is no Annual Fee for Upgrade Visa®️ Credit Card.
​

How does Upgrade card affect credit score?

You can pre-qualify for an Upgrade card without harming your credit score. After using the pre-qualification process you can choose to accept the card Upgrade offers you which will create a hard inquiry on your credit report and will decrease your score by a couple points. However, by making on time payments and spending a third or less of your credit limit, you may start to see improvements to your credit score.

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.

Does Upgrade card do a hard pull?

You can pre-qualify for an Upgrade card without harming your credit score. If you click the “Get Started” button you’ll be brought to a form to fill out and submit. After submitting, Upgrade will show you which cards you qualify for without harming your credit score. You’ll only get a hard pull on your credit score if you accept the card offer they give you.

No commitment to apply.


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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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