Upgrade Triple Cash Rewards Card Reviews: Is It Any Good? (2023)

Highlights
Community Rating	Strongly recommended
Purchase APR (Variable APR)	14.99% - 29.99% (Verified 09/20/2023)
Balance Transfer APR (Variable APR)	14.99% - 29.99% (Verified 09/20/2023)
Credit Score Range	580 - 850
Annual Fee	$0
Number of Reviews	29

Upgrade Triple Cash Rewards Card Review

This is a cashback card issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A or by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. If you're wondering whether Upgrade Triple Cash Rewards Card is the right card for you, read on.

Key Takeaways

Earn $200 bonus. To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. 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. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
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.
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.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
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. Cardholders can earn rewards on their purchases. Upgrade Triple Cash Rewards Card reports to multiple credit bureaus.	Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 5% balance transfer fee

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 ($)	$200

Does Upgrade Triple Cash Rewards Card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $200.

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%. 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?

The following fees apply:

Upgrade Triple Cash Rewards Card Fees
Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	3%
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?

Upgrade Triple Cash Rewards Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

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. Optional ACH transfers to your bank account, balance transfers, and foreign transactions are subject to fees that, if incurred, will increase your finance charge and APR. 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 transaction 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. Welcome Bonus Disclosure: "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. 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

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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Available in 47 states

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Feature Breakdown

Cash Advance Fee Minimum	$0
Cash Advance Fee (%)	0%
Minimum Cash Advance Fee ($)	$0
Foreign Currency Transaction Fee	3%
No Annual Fee
No Foreign Transaction Fee
Annual Fee	$0
Returned Payment Fee	$0
Late Fee Amount	$0

Upgrade Triple Cash Rewards Card Community Reviews

Would you recommend Upgrade Triple Cash Rewards Card to your friends?

Customer Type	Personal
Minimum Age	18
Supported Income Types	Direct Deposit (W2, SSA, SSDI) Payroll Check or Prepaid Card Cash 1099 Misc. Income
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

Card Type	Rewards Cashback
Card Network	Visa

Upgrade Triple Cash Rewards Card

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