{"id":173517,"date":"2025-09-06T21:10:01","date_gmt":"2025-09-06T21:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=173517"},"modified":"2026-04-08T14:22:14","modified_gmt":"2026-04-08T14:22:14","slug":"upgrade-cash-rewards-visa","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/upgrade-cash-rewards-visa\/","title":{"rendered":"Upgrade Cash Rewards Visa Review: 1.5% Cash Back on All Purchases, No Annual Fee"},"content":{"rendered":"<p>The <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<sup>\u00ae<\/sup><\/a> is a credit card that operates like a personal line of credit while earning you 1.5% cash back on every purchase. It works by granting you a set credit limit through a close-ended loan between $500 and $25,000 with a fixed rate. You can spend up to that amount on the card until you reach your limit; you'll have a set amount of time to pay the &#8220;loan&#8221; back.<\/p>\n<p>Here's what you need to know before applying for the <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a>.<\/p>\n<div class=\"qs-card\" data-id=\"4048178\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Upgrade Cash Rewards Visa<sup>\u00ae<\/sup><\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937033.png\" width=\"150\" alt=\"Upgrade Cash Rewards Visa\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4048178\" href=\"https:\/\/upgrade.zendesk.com\/hc\/en-us\/articles\/20952319319067\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><p style=\"line-height: 1.4em; margin-bottom: 0.8;\">$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*<\/p>\r\n<p style=\"font-size: 12px; line-height: 1.3em; margin-top: 0;\">*See card highlights for full bonus terms<\/p><\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Upgrade Cash Rewards Visa<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-offer\"><p style=\"line-height: 1.4em; margin-bottom: 0.8;\">$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*<\/p>\r\n<p style=\"font-size: 12px; line-height: 1.3em; margin-top: 0;\">*See card highlights for full bonus terms<\/p><\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Upgrade Cash Rewards Visa<sup>\u00ae<\/sup> offers 1.5% cash back on all purchases when you pay them back. It features no annual fee and provides credit lines from $500 to $25,000. Combining the flexibility of a credit card with the predictability of a personal loan, this card also lets you earn up to 10% cash back through Upgrade Shopping powered by Dosh.<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>1.5% Cash back on all purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UpgradeCashRewards\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-15747d8457#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Upgrade_Cash_Rewards_Visa_Pros\">Upgrade Cash Rewards Visa Pros<\/a><\/li><li><a href=\"#Upgrade_Cash_Rewards_Visa_Cons\">Upgrade Cash Rewards Visa Cons<\/a><\/li><li><a href=\"#Upgrade_Cash_Rewards_Visa_Welcome_Bonus\">Upgrade Cash Rewards Visa Welcome Bonus<\/a><\/li><li><a href=\"#Upgrade_Cash_Rewards_Visa_Benefits\">Upgrade Cash Rewards Visa Benefits<\/a><ul><li><a href=\"#No_annual_fee\">No annual fee<\/a><\/li><li><a href=\"#Fixed-rate_APR_for_each_limit_amount\">Fixed-rate APR for each limit amount<\/a><\/li><li><a href=\"#Visa_Signature_benefits\">Visa Signature<sup>\u00ae<\/sup> benefits<\/a><\/li><li><a href=\"#Upgrade_Shopping\">Upgrade Shopping<\/a><\/li><\/ul><\/li><li><a href=\"#Upgrade_Cash_Rewards_Visa_Earning_Rates\">Upgrade Cash Rewards Visa Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Upgrade_Cash_Rewards_Visa\">Redeeming Points With the Upgrade Cash Rewards Visa<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Upgrade_Cash_Rewards_Visa\">Cards That Compete With the Upgrade Cash Rewards Visa<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Upgrade_Cash_Rewards_Visa_Pros\">Upgrade Cash Rewards Visa Pros<\/span><\/h2>\n<ul>\n<li>1.5% unlimited cash back on every purchase.<\/li>\n<li>Fixed-rate APR  (<a data-ccid=\"4048178\" href=\"https:\/\/upgrade.zendesk.com\/hc\/en-us\/articles\/20952319319067\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/li>\n<li>$0 annual fee.<\/li>\n<li>Built-in benefits like Zero Liability Policy, travel insurance, and purchase protection, which come included with Visa Signature<sup>\u00ae<\/sup> cards.<\/li>\n<\/ul>\n<h2><span id=\"Upgrade_Cash_Rewards_Visa_Cons\">Upgrade Cash Rewards Visa Cons<\/span><\/h2>\n<ul>\n<li>Changes to your credit or market conditions will change the APR on your account from &#8220;loan&#8221; to &#8220;loan.&#8221;<\/li>\n<li>Your card limit will not automatically replenish as you pay down your balance.<\/li>\n<li>Cash-back rewards are not earned until payments are made toward the balance on the card.<\/li>\n<li>Has foreign transaction fees \u2014 Up to 3%.<\/li>\n<li>Not an ATM card and cannot be used for transactions requiring a PIN.<\/li>\n<\/ul>\n<h2><span id=\"Upgrade_Cash_Rewards_Visa_Welcome_Bonus\">Upgrade Cash Rewards Visa Welcome Bonus<\/span><\/h2>\n<p>When opening a <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a>, you'll also get a $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions* within 60 days of opening your checking account.<\/p>\n<p>The Rewards Checking Plus account must be opened through the application process for a Upgrade Cash Rewards Visa to receive the bonus. You are ineligible for the bonus if you already have a Rewards Checking Plus account.<\/p>\n<figure id=\"attachment_120107\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-120107 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-credit-card-family-featured.png\" alt=\"a student looks at a computer to learn about credit cards with a grandfather\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-credit-card-family-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-credit-card-family-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-credit-card-family-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/08\/Andrea-Piacquadio-Pexels-credit-card-family-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrea Piacquadio\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Upgrade_Cash_Rewards_Visa_Benefits\">Upgrade Cash Rewards Visa Benefits<\/span><\/h2>\n<p>The Upgrade Cash Rewards Visa is light on benefits. That said, here's an overview of the benefits you will find on the card.<\/p>\n<figure id=\"attachment_173627\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/457\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-173627 size-full lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Upgrade_Contactless_Card.png\" alt=\"A hand holding an Upgrade Cash Rewards Visa card swipes at checkout.\" width=\"600\" height=\"457\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Upgrade_Contactless_Card.png 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Upgrade_Contactless_Card-300x229.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Upgrade<\/em><\/enter><\/figure>\n<h3><span id=\"No_annual_fee\">No annual fee<\/span><\/h3>\n<p>The <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a> doesn't have an annual fee.\u00a0You will, however, pay foreign transaction fees if you use it abroad; the fee is up to 3% of your transaction.<\/p>\n<h3><span id=\"Fixed-rate_APR_for_each_limit_amount\">Fixed-rate APR for each limit amount<\/span><\/h3>\n<p>The card comes with a fixed APR  (<a data-ccid=\"4048178\" href=\"https:\/\/upgrade.zendesk.com\/hc\/en-us\/articles\/20952319319067\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)\u00a0for all purchases up to your credit limit. The APR can change from one limit or &#8220;loan&#8221; to the next, depending on changes to your credit and other factors.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Visa_Signature_benefits\">Visa Signature<sup>\u00ae<\/sup> benefits<\/span><\/h3>\n<p>Visa Signature refers to a package of perks offered on eligible cards that carry the Visa name, such as extended warranty protection, travel and emergency assistance, and Visa Signature concierge. Cardholders of Upgrade Cards can take advantage of Visa\u2019s Zero Liability Policy, which ensures you won\u2019t be held responsible for unauthorized charges on your card or card information, as long as they are transactions processed by Visa and you report them promptly.<\/p>\n<h3 data-pm-slice=\"1 1 []\"><span id=\"Upgrade_Shopping\">Upgrade Shopping<\/span><\/h3>\n<p>Upgrade cardholders also have access to Upgrade Shopping, a perk that grants access to special discounts and cash-back offers with select retailers. With this benefit, you can stack rewards in addition to the 1.5% cash back you already earn with the Upgrade Cash Rewards Card. To take advantage, you simply log in to your Upgrade account, browse the available merchant offers, and complete your purchase through the provided links.<\/p>\n<h2><span id=\"Upgrade_Cash_Rewards_Visa_Earning_Rates\">Upgrade Cash Rewards Visa Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a> earns an unlimited 1.5% cash back on every purchase. You earn cash-back rewards when payments are made toward the balance on your card.<\/p>\n<figure id=\"attachment_128599\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-128599 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Andrea-Piacquadio-Pexels-couple-using-laptop-featured.png\" alt=\"A couple using a laptop together\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Andrea-Piacquadio-Pexels-couple-using-laptop-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Andrea-Piacquadio-Pexels-couple-using-laptop-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Andrea-Piacquadio-Pexels-couple-using-laptop-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/Andrea-Piacquadio-Pexels-couple-using-laptop-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrea Piacquadio\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Points_With_the_Upgrade_Cash_Rewards_Visa\">Redeeming Points With the Upgrade Cash Rewards Visa<\/span><\/h2>\n<p>Cash-back rewards are generally applied to the balance of your <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a> account after your next scheduled monthly payment. If you do not have a balance on your account, you can have your cash back deposited into your bank account on file.<\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>There's little public information on the Upgrade Cash Rewards Visa&#8216;s <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a>. And at that, there's little information on Upgrade in general.<\/p>\n<p>The card is marketed to applicants with a &#8216;Fair&#8221; credit score, which typically means that folks in the low-to-mid 600s have a decent chance of being approved.<\/p>\n<p>Other restrictions that we know of include whether you have previously opened a Rewards Checking Plus account. If so, you'll be ineligible for the welcome bonus on this card.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Upgrade_Cash_Rewards_Visa\">Cards That Compete With the Upgrade Cash Rewards Visa<\/span><\/h2>\n<p>The <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a> is a unique and potentially useful card. However, that doesn't mean it's for you. Here are three additional options to consider:<\/p>\n<ul>\n<li><strong>If you prefer a traditional cash back credit card<\/strong>, check out the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=07753ec2196b5eb20dd6e7b34da1a2594&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). This no-annual-fee card earns an unlimited 5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases.<\/li>\n<li><strong>If you want an even higher cashback rate with no annual fee<\/strong>, consider the <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\n<li><strong>If you want to earn cash back on large home expenses<\/strong>, then the <a data-ccid=\"4048246\" href=\"https:\/\/awardwallet.com\/credit-cards\/upgrade-triple-cash-rewards-visa\/\">Upgrade Triple Cash Rewards Visa<sup>\u00ae<\/sup><\/a> is the card for you. You'll get a fixed APR on between $500 and $25,000. This amount depends on your creditworthiness and other factors, just like the Upgrade Cash Rewards Visa. The card has no annual fee and earns you 3% unlimited cash back on every purchase in Home, Health, and Auto categories. You earn cash back as you make payments on your card's balance.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-upgrade\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=07753ec2196b5eb20dd6e7b34da1a2594&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937034.png\" width=\"150\" alt=\"Upgrade Triple Cash Rewards Visa\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Upgrade Triple Cash Rewards Visa<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\n<p style=\"line-height: 1.4em; margin-bottom: 0.8;\">$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*<\/p>\r\n<p style=\"font-size: 12px; line-height: 1.3em; margin-top: 0;\">*See card highlights for full bonus terms<\/p><\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Upgrade Triple Cash Rewards Visa\u00ae' data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048246\" href=\"https:\/\/upgrade.zendesk.com\/hc\/en-us\/articles\/1260804318969-Upgrade-Triple-Cash-Back-Rewards-Details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Excellent, Good, Fair<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3% on Home, Auto, and Health categories<\/li>\r\n<li>1% on everything else<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048178\" href=\"\/blog\/link\/CR-UpgradeCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Cash Rewards Visa<\/a> is unique as far as credit cards go. It operates like a personal loan which is great for securing a fixed APR and monthly payment to pay back the card. But your limit won't automatically replenish as you pay off the balance, and you don't earn any cash back until you pay off the card.<\/p>\n<p>However, if you're not solely interested in this card for the cash back possibilities \u2014 which, quite frankly, you can get <a href=\"\/find-a-card\/cash-back\/\">better cashback earning cards<\/a> \u2014 then the limit and loan structure could be very helpful for large expenses like home or auto repairs.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Upgrade Cash Rewards Visa\u00ae works like a personal loan, giving you a fixed rate APR on a series of closed-end loans. As you pay your balance, you earn 1.5% cash back. Your limit is not automatically replenished and the new limit is based on your creditworthiness and other factors at the time.<\/p>\n","protected":false},"author":76,"featured_media":110710,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620],"coauthors":[36406],"class_list":["post-173517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/173517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/76"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=173517"}],"version-history":[{"count":32,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/173517\/revisions"}],"predecessor-version":[{"id":257274,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/173517\/revisions\/257274"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/110710"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=173517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=173517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=173517"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=173517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}