Get a $200 bonus on your Upgrade Card after opening and funding a Rewards Checking account and making 3 debit card transactions within 60 days.*
Everyone loves the opportunity to make more cash, and with the Upgrade Triple Cash Rewards Visa®, you can do just that by getting unlimited cash back on payments.
See the bottom of this page for more offers from Upgrade.
Upgrade Rewards Checking Offer With The Upgrade Triple Cash Rewards Visa®
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Unlimited cash back on payments – 3% on Home, Auto and Health categories and 1% on everything else after you make payments on your purchases.
- No annual fee
- Combine the flexibility of a credit card with the predictability of a personal loan.
- No touch payments with contactless technology built in.
- See if you qualify in minutes without hurting your credit score.
- 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.
- Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.
- Rates & Fees
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Credit Lines opened through Upgrade feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging $500 – $25,000. 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 $15,000 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.
* Purchases in Home, Auto, and Health categories accrue 3% cash back when you pay them back; all other purchases accrue 1% with no maximum. Your accrued cash back will generally be applied to your balance after your next scheduled monthly payment. If you do not have a balance and for as long as your card account is open, you may elect to have cash back applied as a deposit into your bank account on file. Cash back rewards are redeemed once applied. Cash back rewards applied to your balance will not otherwise reduce the amount of your regular monthly payments. Eligibility for cash back based on categories is determined by the merchant category code (MCC), which is assigned to merchants based on the kinds of products and services they primarily sell. Get more information on applicable merchant categories. Rewards associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc. Rewards are a gratuity and not your property until redeemed. Balance transfers and payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Some limitations apply. Please refer to your Cardholder Agreement for more information.
** 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.
Why the Upgrade Triple Cash Rewards Visa® is a Good Choice
The Upgrade Triple Cash Rewards Visa® is a great choice for anyone looking to maximize their earning potential while enjoying the benefits of a credit card. With unlimited cash back on payments, you’ll never miss out on an opportunity to earn rewards.
And with a $0 annual fee, $0 activation fees, and $0 foreign transaction fees, you can use your card without having to worry about extra charges.
In addition, this card combines the flexibility of a credit card with the predictability of a personal loan, making it a great choice for large purchases with predictable payments.
The contactless technology built in means you can make payments without ever having to touch your card, and with the mobile app, you can access your account anytime, anywhere.
Finally, with $0 Fraud liability, you can enjoy peace of mind knowing that your account is protected.
With unlimited cash back on payments, and a range of features, the Upgrade Triple Cash Rewards Visa® is great for anyone who wants to enjoy the benefits of a credit card without having to worry about extra fees.
Of course, like any financial product, there are pros and cons, but if you’re looking for a great way to earn rewards and enjoy the benefits of a credit card, the Upgrade Triple Cash Rewards Visa® is definitely worth considering.
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