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The Upgrade Triple Cash Rewards Visa® Credit Card is one of the best cards offered by Upgrade, a financial start-up issued by Sutton Bank.

This review will show you what’s the deal about this interesting card. After all, is it a credit card, a line of credit, or a personal loan?

If you need a new credit card to earn cash back, this card might be a good option for you.

With up to 3% cash back on selected categories to enjoy it, many people will surely like this card. Let’s see what else the Upgrade Triple Cash Rewards has to offer.

Some credit card specialists are suspicious about how this card works. It works like a credit card but has a lot of personal loan features.

The credit limit can be as high as $25,000 – some even get a $50,000. This is not something you can easily find on a credit card with a $0 annual fee.

But if you make a purchase this big on this credit card, you don’t need to worry about carrying a balance.

It will be split into installments at a fixed rate that gives you excellent predictability to budget and plan payments.

On top of that, the card will give you cash back, a Visa signature, and a physical card with contactless technology.

It is important to have this in mind: a good or excellent credit score will always grant you better offers.

With that in mind, know that you can apply with an average credit score for an Upgrade Triple Cash Rewards.

However, your APR and credit limit will not be as good as for someone with a better credit score.

The Upgrade Triple Cash Rewards Visa® Card is almost too good to be true. After all, it gives you great rewards. And that’s not all.

The credit limits are super high, and you can get up to $25,000. Some people with excellent credit scores can get up to $50,000.

And don’t worry about your credit card balance. You can pay it within 60 months installments and the rates are fixed to help you plan your payments.

And the rewards get even better. Earning 1% cash back in every purchase is already good for a credit card with a $0 annual fee.

Every penny back seems like profit. But Upgrade will give you more than this, with a 3% bonus cash back buying this for home, health, and auto.

If you like what you’re reading, stay on this post to learn how you can get this card for yourself and enjoy all these benefits. See how to apply for a Upgrade Triple Cash Rewards Visa® below.

Are you unsure if your credit score will get you a reasonable offer and don’t want to hurt it with a hard inquiry? Don’t worry!

Upgrade will make just a soft pull to pre-qualify you. If you agree with their offer, then you can proceed with the application process.

You can do it online, on the Upgrade website. Select the Upgrade Triple Cash Rewards Visa® Card and get started.

There will be a short form asking for some basic information. Inform your full name, home address, date of birth, and annual income.

Also, create an Account with an email and password. It is very important to read the terms of the card. If you agree with them, check the box and submit your application.

You will soon receive the offer with your credit limit and APR. If you like what you got, proceed as requested and you will soon receive your new credit card. 

Moreover, you should know that this card is unavailable in DC, IA, WV, WI, NC, NH, and HI.

Picking a new credit card is not always easy. If you need one more option to compare, it’s ok.

If you’re willing to pay a fee to have a more robust credit card, you can take a look at the Capital One Venture Rewards features.

While the Upgrade Triple Cash Rewards Visa® gives you cash back and fixed-rate installments to pay your balance, the Capital One Venture Rewards gives you points and travel benefits.

If you have what it takes to be a Capital One Venture Rewards cardholder, go for it.

If you need any help with the application process, please read the following content with some information on this subject.