- $200 bonus when you open a Rewards Checking account and make 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
3.6 / 5.0 (9 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
8.99% - 29.99%*
APR Type:
fixed
Annual Fee:
$0*
Issuer:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
EMV Chip
High Credit Limit
Low Interest Rate
No Foreign Transaction Fee
Pre-Qualification
Reward Card
Credit Needed:
Fair*
Grace Period:
N/A*
Min Credit Line:
$500
Max Credit Line:
$50,000
Late Payment Fee:
$0.00*

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
0.00%

Other Fees

Opening Minimum:
$0.00
Application Fee:
$0.00
ATM Fee:
$0.00
Additional Fees
Foreign Transaction Fee: $0
Return Payment Fee: $0
Return Check Fee: $0

Comments

*Restrictions: Applications not accepted in Iowa, Wisconsin, Washington, D.C., and West Virginia.

**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. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive the bonus.

Features

Most attractive:
- Unlimited rewards
- No annual fee
- No application fee
Least attractive:
- No bonus rewards
- No cash advance

Rewards & Benefits

Reward Types:
Auto Rewards
Cash Back Rewards
Healthcare Rewards
Home Purchase Rewards
Reward Unit:
Cash
Rewards:
- 3% unlimited cash back on Home, Auto, and Health
- 1% on everything else
- $200 bonus rewards
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
*See Terms and Conditions for other benefits
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for Upgrade Triple Cash Rewards Visa® is believed to be accurate at the time of evaluation (Mar 30, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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