The Upgrade Triple Cash Rewards Visa is a good credit card for people with fair credit whose top expenses include purchases that are categorized as home, auto or health. The Upgrade Triple Cash card is worth it because it has a
$0 annual fee and gives rewards of
1 - 3% cash back.
These rewards are a bit unique in that you earn them when you pay for your purchases, rather than when you make the purchases, but that won’t be a big deal if you pay the bill in full every month. Paying your bill in full every month is a wise move, anyway, especially if you’re assigned an interest rate toward the high end of the Upgrade Triple Cash card’s advertised range.
Upgrade Triple Cash Rewards Visa Review Highlights
$0 annual fee
No annual fee credit cards are great for light-spenders and people using a collection of different cards. The Upgrade Triple Cash Rewards Visa card’s
$0 annual fee also saves you about
$21.58 per year compared to the average credit card offer.
1 - 3% cash back in rewards
True to its name, the Upgrade Triple Cash Rewards card gives 3% back on purchases made in a trio of categories: home, auto and health. All other spending gets you 1% back, which is about average for a rewards card.
As a result, making sure your favorite merchants qualify for triple cash back is essential. You also need to be someone who pays for purchases in a timely fashion. You won’t actually earn rewards for your purchases until you pay for them.
$200 bonus
The Upgrade Triple Cash Rewards card offers a $200 bonus to new cardholders who open and fund a new Upgrade Rewards Checking Plus Account and make 3 debit card transactions within 60 days of opening their Upgrade Triple Cash Card. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
14.99% - 29.99% APR
The Upgrade Triple Cash Rewards Visa has a very broad APR range, so your interest rate could wind up being anywhere from
14.99% to 29.99% depending on your credit history, income, debt and other factors. The low end of the range is better than the current average APR among credit cards for people with good credit. The high end, on the other hand, is well above the average for all new credit card offers.
So, the specific rate you’re assigned will dictate exactly how important it is to pay your bill in full every month. If you pay in full every month, you won’t be charged interest.
640 minimum credit score
The Upgrade Triple Cash Rewards Visa is available to people with
fair credit or better. That means you need a credit score of
640 or higher to be considered. You can
check your credit score for free on WalletHub.
$500+ credit limit
The Upgrade Triple Cash Rewards Visa offers a credit limit of
$500 to $25,000, depending on your overall creditworthiness. Checking to see if you’re prequalified will give you a better idea of what your credit limit is likely to be. This will not affect your credit score.
