Credit card

Upgrade Triple Cash Rewards Visa®

Cash back

VISA

Apply for Upgrade Triple Cash Rewards Visa®

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Card review

Upgrade Triple Cash Rewards Visa®

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

3% back on home, auto and health — categories most flat-rate cards skip

Fee: No fee
Purchase APR: 14.99% - 29.99%
Interest-free: -
Foreign fee: 3%

Rewards

3% cash back on Home, Auto, and Health purchases; 1% cash back on all other purchases. Both tiers are unlimited with no annual cap.

Welcome offer

$200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days.

Our verdict

What stands out, and where it falls short.

What we like

3% cash back on Home, Auto, and Health purchases;…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee
High interest if you carry a balance

Who It Is For

Whether the Upgrade Triple Cash Rewards Visa® fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 14.99% - 29.99%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 14.99%–29.99% fixed per loan (lowest rates require AutoPay)
Balance Transfer Fee: Up to 5% per transfer
Late Payment Fee: Up to $29

Rewards and features

Rewards: 3% cash back on Home, Auto, and Health purchases; 1% cash back on all other purchases. Both tiers are unlimited with no annual cap.
Welcome offer: $200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days.
Installments: Each purchase converts to a closed-end installment loan at a fixed rate and term.
Pay with: Apple Pay, Google Pay, Contactless
Reward Categories: Home, Auto, Health at 3%; all other purchases at 1%. Note: merchant category codes are merchant-determined.

Benefits and perks

Extras that come bundled with the card.

Visa Signature Benefits

Extended warranty and price protection through Visa Signature

Eligibility

What you need before you apply.

Minimum Credit Score: Fair credit (approx. 630+ FICO)

Upgrade Triple Cash Rewards Visa®: your questions answered

Does the Upgrade Triple Cash Rewards Visa® have a card fee?

No - the Upgrade Triple Cash Rewards Visa® has no card fee.

What rewards does the Upgrade Triple Cash Rewards Visa® earn?

The Upgrade Triple Cash Rewards Visa® earns 3% cash back on Home, Auto, and Health purchases; 1% cash back on all other purchases. Both tiers are unlimited with no annual cap..

Does the Upgrade Triple Cash Rewards Visa® charge foreign transaction fees?

Yes - the Upgrade Triple Cash Rewards Visa® charges a 3% foreign transaction fee.

What is the interest rate on the Upgrade Triple Cash Rewards Visa®?

The Upgrade Triple Cash Rewards Visa® has a purchase APR of 14.99% - 29.99%.

Does the Upgrade Triple Cash Rewards Visa® have a welcome offer?

Yes - $200 bonus when you open a Rewards Checking Preferred account and complete 3 debit card transactions within 60 days..

Can I pay in installments with the Upgrade Triple Cash Rewards Visa®?

Yes - Each purchase converts to a closed-end installment loan at a fixed rate and term..

Is the Upgrade Triple Cash Rewards Visa® a credit, debit or prepaid card?

The Upgrade Triple Cash Rewards Visa® is a credit card issued by Upgrade on the Visa network.

Does the Upgrade Triple Cash Rewards Visa® support Apple Pay and Google Pay?

Yes - the Upgrade Triple Cash Rewards Visa® works with both Apple Pay and Google Pay.

Where can I get the Upgrade Triple Cash Rewards Visa®?

The Upgrade Triple Cash Rewards Visa® is currently offered in United States.

How does DebitCue rate the Upgrade Triple Cash Rewards Visa®?

DebitCue rates the Upgrade Triple Cash Rewards Visa® 4.4 out of 5 (8.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.