Upgrade Triple Cash Rewards Visa®
A good cash back card for spending on home, auto, and health (3% cash back on home, auto, and health; 1% on everything else), with a $200 signup bonus (after making 3 debit card transactions in a new checking account), for people who only have an average or fair credit score, which has no annual fee.
Your total savings: $1,122 over the next 5 years
View reward detailsRewards & Perks
Reward Highlights
- 3% cash back on Home, Auto, and Health spending categories.
- 1% cash back on everything else.
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions.*
(*) Disclaimer: To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Rates & Fees
Summary of Rates & Fees
- No annual fee.
- APR on purchases: 8.99-29.99%.
- No foreign transaction fee.
Annual Fee: $0
Interest Rate (“Purchase APR”): 8.99-29.99%
Other Info
Official Card Description (from card issuer)
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
(*) Disclaimer: To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Date Introduced: 2021-04-01
Date Last Updated: 2022-06-16
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