Is Upgrade Triple Cash Rewards Card the right fit for you?
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +79
Strongly recommended34 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
14.99% - 29.99%(Verified 05/28/2025)
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Balance Transfer APR (Variable APR)
14.99% - 29.99%(Verified 05/28/2025)
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Credit Score Range
580 - 850
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Annual Fee
$0
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Number of Reviews
Upgrade Triple Cash Rewards Card Review
This is a cashback credit card issued by Cross River Bank, Member FDIC. The Upgrade Card is issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Upgrade is a financial technology company, not a bank. If you're wondering whether Upgrade Triple Cash Rewards Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
- APRs: Upgrade Triple Cash Rewards Card has a variable regular purchase APR that ranges from 14.99% up to 29.99%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Upgrade Triple Cash Rewards Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Upgrade Triple Cash Rewards Card
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Upgrade Triple Cash Rewards Card FAQ
Does Upgrade Triple Cash Rewards Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Home Improvement Purchases | Up to 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Utilities | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Upgrade Triple Cash Rewards Card have a signup bonus?
Yes. Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
Does Upgrade Triple Cash Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Upgrade Triple Cash Rewards Card benefits?
Upgrade Triple Cash Rewards Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Upgrade Triple Cash Rewards Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Upgrade Triple Cash Rewards Card has a variable purchase APR that ranges from 14.99% up to 29.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 29.99%.
Does Upgrade Triple Cash Rewards Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Upgrade Triple Cash Rewards Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Upgrade Triple Cash Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for Upgrade Triple Cash Rewards Card?
The customer service number for Upgrade Triple Cash Rewards Card is (844) 319-3909.
What is the support contact email for Upgrade Triple Cash Rewards Card?
The support contact email for Upgrade Triple Cash Rewards Card is support@upgrade.com.
How do people rate the customer service and user experience of Upgrade Triple Cash Rewards Card?
Overall, Upgrade Triple Cash Rewards Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Upgrade Triple Cash Rewards Card report your account activity to credit bureaus?
Yes, Upgrade Triple Cash Rewards Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Upgrade Inc perform a hard credit pull?
Yes, Upgrade Triple Cash Rewards Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Upgrade Triple Cash Rewards Card
- Visit the website of Upgrade Triple Cash Rewards Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Upgrade Triple Cash Rewards Card Disclosure: Credit Lines feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $25,000. The lowest rates require Autopay and the majority of the line amounts will be $15,000 or under. For example, a $5,000 transaction with a 36 month term and a 19.99% APR has a required monthly payment of $187.90. Optional ACH transfers to your bank account, balance transfers, ATM withdrawals (if available), and foreign transactions are subject to applicable fees that, if incurred, will increase your finance charge and APR. Late fees and insufficient funds fees may apply. Your rate, line amount, and default term depend on maintaining a qualifying credit score, your credit usage history, requested amount, and other factors. The Upgrade Card is unique in that it allows you to obtain a series of closed-end loans which you may access through transactions such as card purchases up to an approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
View Upgrade Triple Cash Rewards Card's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Upgrade Triple Cash Rewards Card
Promotional Offers
Earn a $200 bonus!
To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Visit SiteHours of Operation
Sunday
6:00AM - 5:00PM
Monday
5:00AM - 7:00PM
Tuesday
5:00AM - 7:00PM
Wednesday
5:00AM - 7:00PM
Thursday
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Friday
5:00AM - 7:00PM
Saturday
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Other Services by Upgrade Inc
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Upgrade Cash Rewards Visa®
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Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
600 - 850
300
850
Annual Fee
$0
Sponsored
Upgrade Select Card
Sponsored
Rating not yet determined
Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
Starting at 580
Annual Fee
$39
Rating not yet determined
Purchase APR
14.99% - 29.99%
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Balance Transfer APR
14.99% - 29.99%
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Credit Score Range
N/A
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +79, or 4.6 on a 5-point rating scale.
+79
-1000+100
No one recommends
Everyone recommends
Upgrade Triple Cash Rewards Card Community Reviews
Would you recommend Upgrade Triple Cash Rewards Card to your friends?
LB
Lamar B.
Feb 3, 2024
May or may not recommend
wish i could get approved 535 score lol, just wishful thinking
JB
Joshua B.
Oct 22, 2023
May or may not recommend
Good this card it awesome and help with grad cresit
Christian G.
Aug 3, 2023
May or may not recommend
i want this card pls i really need it i beg you
BW
Bre W.
Jun 27, 2023
May or may not recommend
No annual fee and great for low credit score I had no problems so far. Keep up with payments see a higher limit in the future.
U
Anonymous
Jun 24, 2023
May or may not recommend
Great card to have with raising credit score you'll like it a lot.
MK
Melissa K.
Jun 16, 2023
May or may not recommend
Helps people with lower credit. Such as me who was a victim of identity theft.
BW
Breya W.
Jun 6, 2023
May or may not recommend
It’s a good beginners card if you don’t have a good score or strong credit history. No annual fees is a big plus for anybody with a credit score under 600.
JC
Jessica C.
May 23, 2023
May or may not recommend
Awesome card! Definitely recommend getting this one ! You will be very satisfied
U
Anonymous
May 17, 2023
May or may not recommend
I do not have the card yet but it looks promising !
U
Anonymous
Mar 8, 2023
May or may not recommend
I would love to c would this card really anonymous then my last card
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
This card is perfect if you’re looking for a low maintenance cash back card. With Unlimited cash back on payments and only 3% on Home, Auto and Health categories and 1% on everything else this is a great asset for Cards. There are no limits to the amount of cashback I can earn, so I don't have to worry about a maximum amount.
CH
Chaster H.
Oct 24, 2022
May or may not recommend
There are many credit cards company out there and if you desire a credit card here is credit card called upgrade. The rates are reasonable, so you are looking for a credit card with a decent credit line try upgrade.
AY
Aleena Y.
Oct 17, 2022
May or may not recommend
This card is perfect if you’re looking for a low maintenance cash back card. With Unlimited cash back on payments and only 3% on Home, Auto and Health categories and 1% on everything else this is a great asset for Cards. There are no limits to the amount of cashback I can earn, so I don't have to worry about a maximum amount.
U
Anonymous
Oct 8, 2022
May or may not recommend
0 percent annual fee. 0 percent transfer feel. And &200 dollars for open checking account.. unlimited 3% cashback!
MA
Muhammad A.
Jul 23, 2022
May or may not recommend
This card offers great rates, no annual fee, and you don't have to have an incredibly high credit score to be approved. The cash back benefits are some of the best Ive ever had. I use this card frequently and as a result I see my money grow!
JC
James C.
Apr 14, 2022
May or may not recommend
Highly recommended. List of recommendations I am already aware of.
SA
Stephany A.
Apr 12, 2022
May or may not recommend
This card offers great rates, no annual fee, and you don't have to have an incredibly high credit score to be approved. The cash back benefits are some of the best Ive ever had. I use this card frequently and as a result I see my money grow!
MP
Monika P.
Mar 11, 2022
May or may not recommend
Upgrade Card helps me to grow my money as there is no annual fees, offers the rewards which is quite good. Go for it. Strongly recommend it.
NL
Natalie L.
Mar 10, 2022
May or may not recommend
I like the idea of getting cash back for purchases I make. The 1% cash back reward rate is nice because it's not a set percentage, so the more I spend the more I get back in cash. There are no limits to the amount of cashback I can earn, so I don't have to worry about a maximum amount. The card also has no annual fee, which is great ...Show More
U
Anonymous
Mar 7, 2022
May or may not recommend
I like meeting people I have the chance to introduce myself. I hope you feel the same way!
Showing 20 of 34 reviews
