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Upgrade Triple Cash Rewards Visa®
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Upgrade Triple Cash Rewards Visa®

A no-annual-fee cash back card from Upgrade.

Cash back only
Annual fee
No annual fee
Welcome bonus
$200 bonus
Min spend
open a Rewards Checking account and make 3 debit transactions
Recommended credit
Good (670+)
Network
Visa
Foreign transaction fee
None
Apply on Upgrade site6.4/10Our rating · review ›

Rates, fees, and full terms are set by Upgrade and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 17, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

3% cash back on home, auto, and health purchases
1% cash back on everything else
Cash back is credited as you pay down the balance

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee and no foreign transaction fees

Alternatives to the Upgrade Triple Cash Rewards Visa®

Pairs well with

The Upgrade Triple Cash Rewards Visa® earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Upgrade Triple Cash Rewards Visa® lands.

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