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*
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- 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 feature Annual Percentage Rates (APRs) of 14.99% – 29.99% and line amounts ranging from $500 – $25,000 based on creditworthiness. The lowest rates require Autopay and the majority of line amounts will be $15,000 or under. For example, a $1,000 card purchase with a 36 month term and a 19.99% APR has a monthly payment of $37.55. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. 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 your approved amount. As you repay your balance, additional credit may become available to you up to an approved amount subject to meeting our credit requirements, but your line will not replenish automatically.
Your Upgrade Card terms are not guaranteed and are subject to our verification and review process and are not final. You may need to provide additional documents so we can verify your income and identity. Optional cash transfers to your bank account and balance transfers are subject to a fee of up to 5% of each draw or transfer. Foreign transactions are subject to a fee of up to 3% per transaction. ATM withdrawal fees may apply. If incurred, these fees will increase your finance charge and APR. A late fee of up to $29 per late payment may apply. For more details on applicable terms, fees, conditions, and requirements, please refer to the Upgrade Card Personal Credit Line Agreement and Cardholder Agreement. Personal Credit Lines are issued by Upgrade’s bank partners: https://www.upgrade.com/bank-partners/. Upgrade Visa® Cards are issued by Upgrade’s bank partners, pursuant to a license from Visa USA Inc. Your Upgrade Card is not an ATM card and cannot be used for transactions requiring a PIN.
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. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
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.
READ MORE: WELCOME OFFERS FROM CHASE AND BMO.
Final Thoughts
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.
Offer is still available, so get it before it ends.
More from Upgrade:
- Upgrade Rewards Checking $200 Bonus With Upgrade Bitcoin Rewards Visa®
- Upgrade Rewards Checking $200 Bonus With Upgrade Cash Rewards Visa®
- Upgrade Rewards Checking $50/$200 Bonus For Referrals
- Upgrade Users Get $75 Direct Deposit Bonus Offer [Targeted] – Ends 6/23/23
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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