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Upgrade Triple Cash Rewards Card
in Credit Cards from Upgrade Inc
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Upgrade Triple Cash Rewards Card

Claimed Promo Offer Available!
in Credit Cards from Upgrade Inc
SuperMoney Net Recommendation Score +79  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +79, equating to 4.6 on a 5 point rating scale.

+79

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

21 users recommend
1 user is unsure
2 users don't recommend
Browse Reviews: 21 Recommendations | 2 Complaints
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 14.99% - 29.99%
(Verified 09/24/2022)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 580 - 850
Annual Fee $0
Number of Reviews 24

Upgrade Triple Cash Rewards Card Review

This is a cashback credit card issued by Upgrade Inc. If you're wondering whether Upgrade Triple Cash Rewards Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Upgrade Triple Cash Rewards Card has a variable 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.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 580.

Pros & Cons of Upgrade Triple Cash Rewards Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Upgrade Triple Cash Rewards Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.

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.

Upgrade Triple Cash Rewards Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Upgrade Triple Cash Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus.

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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%.

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?

The following fees apply:

Upgrade Triple Cash Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment 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.

Does Upgrade Triple Cash Rewards Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Upgrade Triple Cash Rewards Card?

The Upgrade Triple Cash Rewards Card customer service number is .

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.

What is the Upgrade Triple Cash Rewards Card login page?

You can access the Upgrade Triple Cash Rewards Card login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Upgrade Triple Cash Rewards Card

  • Visit the Upgrade Triple Cash Rewards Card website.
  • 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 opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% - 29.99% and line amounts ranging $500 - $50,000. The lowest rates require Autopay and the majority of the line amounts will be $25,000 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. The APR on your draw may be higher or lower. 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 the approved line amount. As you repay your balance, additional credit may become available to you up to the approved line amount subject to meeting our credit requirements. The Upgrade Card will not replenish as it would in an open-end credit arrangement. 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 Inc

Upgrade’s founding team pioneered fintech 15 years ago. In 2017 we launched Upgrade to offer our users more value and a better experience than they receive from their traditional bank. In the last five years, over 15 million people have applied for an Upgrade Card or loan through Upgrade, and we have made over $15 billion in affordable and responsible credit available to our customers. Our innovative Upgrade Card combines the flexibility of a credit card with the low cost of an installment loan.

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Promotional Offers

Special Offers

Earn a $200 bonus!

Get a $200 bonus when you open a Rewards Checking account and make 3 debit card transactions. 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.
View Offer

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Availability

  Available in 47 states
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin

Feature Breakdown

Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Returned Payment Fee $0
Late Fee Amount $0
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 580 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
  • Concierge
Rewards Categories
  • 3% Cash Back on Car Rentals
  • 3% Cash Back on Drug Store Purchases
  • 3% Cash Back on Gym Memberships
  • 3% Cash Back on Home Improvement Purchases
  • 1% Cash Back on Every Purchase
APR Type Variable APR
Credit Limit $500 - $25,000
Purchase APR (Variable APR) 14.99% - 29.99%
(Verified 09/24/2022)
Card Type
  • Rewards
  • Cashback
Card Network Visa

Upgrade Triple Cash Rewards Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +79, equating to 4.6 on a 5 point rating scale.

+79

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.