{"id":176739,"date":"2026-02-07T18:10:01","date_gmt":"2026-02-07T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=176739\/"},"modified":"2026-05-05T22:42:40","modified_gmt":"2026-05-05T22:42:40","slug":"upgrade-triple-cash-rewards-visa","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/upgrade-triple-cash-rewards-visa\/","title":{"rendered":"Upgrade Triple Cash Rewards Visa Card Review: 3% Cash Back in Unique Categories, No Annual Fee"},"content":{"rendered":"<p>A cash-back credit card with unique categories, the <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<sup>\u00ae<\/sup><\/a> earns back on things most cards don't. On spending, you'll earn 3% on Home, Auto, and Health categories and 1% on everything else.<\/p>\n<p>There's no cap on how much you can earn, but there is a catch. Unlike traditional credit cards, this card works more like a personal loan, where you get a specific credit amount to make purchases against for a fixed term and rate (<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>). Cash back is earned as you repay your balance, not at the time of purchase. And after each &#8220;loan&#8221;, you may experience fluctuating credit availability based on your credit score and other factors at the time.<\/p>\n<p>The ability to earn 3% back on large home, auto, and health purchases makes the Upgrade Triple Cash Rewards Visa a competitive credit card option, especially for large expenses. Here's how to decide if it's right for you.<\/p>\n<div class=\"qs-card\" data-id=\"4048246\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Upgrade Triple 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\/11937034.png\" width=\"150\" alt=\"Upgrade Triple Cash Rewards Visa\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-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>\n                    <div class=\"qs-rates\"><span class=\"qs-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><\/div>\n                    <div class=\"qs-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>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Upgrade Triple Cash Rewards Visa<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-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>\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 Triple Cash Rewards Visa<sup>\u00ae<\/sup> offers 3% cash back on purchases in home, auto, and health categories, and 1% cash back on all other purchases when paid back. It has no annual fee, provides credit lines from $500 to $25,000, and combines the flexibility of a credit card with the predictability of a personal loan. You can also earn up to 10% cash back with Upgrade Shopping powered by Dosh.<\/div><div class=\"qs-tab-er\"><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>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UpgradeTripleCash\/\" 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?v2026-5-28e06111cb#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_Triple_Cash_Rewards_Visa_Pros\">Upgrade Triple Cash Rewards Visa Pros<\/a><\/li><li><a href=\"#Upgrade_Triple_Cash_Rewards_Visa_Cons\">Upgrade Triple Cash Rewards Visa Cons<\/a><\/li><li><a href=\"#Upgrade_Triple_Cash_Rewards_Visa_Welcome_Bonus\">Upgrade Triple Cash Rewards Visa Welcome Bonus<\/a><\/li><li><a href=\"#Upgrade_Triple_Cash_Rewards_Visa_Benefits\">Upgrade Triple Cash Rewards Visa Benefits<\/a><ul><li><a href=\"#No_annual_fee\">No annual fee<\/a><\/li><li><a href=\"#Visa_Signature_benefits\">Visa Signature<sup>\u00ae<\/sup> benefits<\/a><\/li><li><a href=\"#Zero_Liability_policy\">Zero Liability policy<\/a><\/li><li><a href=\"#Fixed_interest_rate_on_purchases\">Fixed interest rate on purchases<\/a><\/li><\/ul><\/li><li><a href=\"#Upgrade_Triple_Cash_Rewards_Visa_Earning_Rates\">Upgrade Triple Cash Rewards Visa Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Upgrade_Triple_Cash_Rewards_Visa\">Redeeming Points With the Upgrade Triple Cash Rewards Visa<\/a><\/li><li><a href=\"#Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Upgrade_Triple_Cash_Rewards_Visa\">Cards That Compete With the Upgrade Triple Cash Rewards Visa<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Upgrade_Triple_Cash_Rewards_Visa_Pros\">Upgrade Triple Cash Rewards Visa Pros<\/span><\/h2>\n<ul>\n<li>$0 annual fee (<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>).<\/li>\n<li>Earn 3% unlimited cash back on every purchase in Home, Health, and Auto categories.<\/li>\n<li>Credit lines between $500 and $25,000.<\/li>\n<\/ul>\n<h2><span id=\"Upgrade_Triple_Cash_Rewards_Visa_Cons\">Upgrade Triple Cash Rewards Visa Cons<\/span><\/h2>\n<ul>\n<li>Up to 3% foreign transaction fee and Up to 5% qualifying balance transfer fee (<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>).<\/li>\n<li>The available credit on this card varies depending on your credit score and other factors at any given time after the fixed term.<\/li>\n<li>Cash back is only earned after you make payments to your account balance.<\/li>\n<\/ul>\n<h2><span id=\"Upgrade_Triple_Cash_Rewards_Visa_Welcome_Bonus\">Upgrade Triple Cash Rewards Visa Welcome Bonus<\/span><\/h2>\n<p>The <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a> comes with a $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions within 60 days.<\/p>\n<p>This bonus offer is not valid if you already have a Rewards Checking Plus account or if you don't open a new account as part of the card's application process.<\/p>\n<figure id=\"attachment_179295\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179295 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg\" alt=\"Man Holding His Credit Card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Credit-Card-Laptop-Featured-Sora-Shimazaki-Pexels-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Sora Shimazaki\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Upgrade_Triple_Cash_Rewards_Visa_Benefits\">Upgrade Triple Cash Rewards Visa Benefits<\/span><\/h2>\n<p>The Upgrade Triple Cash Rewards Visa is light on benefits, but the benefits it does have can be invaluable to the right cardholder. They are:<\/p>\n<h3><span id=\"No_annual_fee\">No annual fee<\/span><\/h3>\n<p>The Triple Cash Rewards Card does not have an annual fee (<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>). However, this card does incur Up to 3% foreign transaction fees and Up to 5% balance transfer fees, so be mindful of using your card abroad or for balance transfers.<\/p>\n<h3><span id=\"Visa_Signature_benefits\">Visa Signature<sup>\u00ae<\/sup> benefits<\/span><\/h3>\n<p>The Upgrade Triple Cash Rewards Visa is a <a target=\"_blank\" href=\"https:\/\/usa.visa.com\/pay-with-visa\/cards\/visa-credit-cards\/visa-signature-credit-cards.html\" rel=\"noopener\">Visa Signature<\/a> product. Based on this designation alone, you're entitled to several travel and purchase protection benefits, such as extended warranty protection, roadside dispatch, and travel and emergency assistance services.<\/p>\n<h3><span id=\"Zero_Liability_policy\">Zero Liability policy<\/span><\/h3>\n<p>Visa Signature cardholders (including those with the Upgrade Triple Cash Rewards Visa) can also take advantage of Visa\u2019s Zero Liability Policy, which ensures you won\u2019t be held responsible if your card details are stolen or for unauthorized transactions on your card \u2014 as long as they are charges processed by Visa, and you report them promptly.<\/p>\n<h3><span id=\"Fixed_interest_rate_on_purchases\">Fixed interest rate on purchases<\/span><\/h3>\n<p>One of the best benefits of the <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a> is the card's fixed interest rates and terms.<\/p>\n<p>Here's how it works: You're given a credit limit up to a certain dollar amount. All of your purchases up to that amount will be at a fixed rate that will not fluctuate (<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>).<\/p>\n<p>After you've spent up to the predetermined credit limit, your available credit limit will be reassessed based on your credit score and other factors. Your subsequent credit limit may be more or less than the previous limit, and you will get a new fixed rate.<\/p>\n<h2><span id=\"Upgrade_Triple_Cash_Rewards_Visa_Earning_Rates\">Upgrade Triple Cash Rewards Visa Earning Rates<\/span><\/h2>\n<p>The <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a> earns 3% unlimited cash back on every purchase in Home, Health, and Auto categories. You earn cash back as you make payments toward the balance on your card.<\/p>\n<p>Unlike many cards that have extremely defined earning categories, such as gas stations and grocery stores, the categories for the Upgrade Triple Cash are extremely broad, so you can earn 3% cash back at a wide variety of merchants.<\/p>\n<p>For example, home improvement stores, landscaping services, construction materials, hardware stores, and even plumbing contractors all qualify as home expenses.<\/p>\n<p>Car rental agencies, automotive service shops, towing services, car washes, and mobile home dealers are among the expenses that also qualify for 3% back as an auto purchase. For health categories, you can take advantage of health and beauty spas, gym memberships, medical supplies, and exercise equipment in merchants such as Walgreens and Dick's Sporting Goods.<\/p>\n<figure id=\"attachment_179296\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179296 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels.png\" alt=\"Woman carrying flowers at a farmer's market.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Shopping-Featured-Brett-Sayles-Pexels-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Brett Sayles\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Redeeming_Points_With_the_Upgrade_Triple_Cash_Rewards_Visa\">Redeeming Points With the Upgrade Triple Cash Rewards Visa<\/span><\/h2>\n<p>Cash-back rewards earned with the Upgrade Triple Cash Rewards Visa are applied to your balance after your next scheduled monthly payment.<\/p>\n<p>If you don't have a balance, you can receive your bonus cash back as a deposit to the bank account on file. Cash back does not reduce the amount owed on your regular monthly payments.<\/p>\n<h2><span id=\"Application_Restrictions_and_Strategy\">Application Restrictions and Strategy<\/span><\/h2>\n<p>There's not much known about the <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application restrictions<\/a> for the <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a>.\u00a0It's unclear how many credit cards from Upgrade you can have at one time or how long you should wait before applying for your next card.<\/p>\n<p>Aside from those with fair or average credit,\u00a0you'll likely be a competitive applicant if you have a\u00a0<a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">healthy credit score<\/a> and sufficient time has passed since your last credit card application. Moreover, Upgrade will let you \u201cSee if you have an offer with no impact to your credit report\u201d when you click to apply. This feature is helpful if you're unsure if you qualify for the Upgrade Triple Cash Rewards Visa.<\/p>\n<p>The only firm restriction we know of is whether you have previously opened a Rewards Checking Plus account. If so, you'll be ineligible for this card's sign-up bonus.<\/p>\n<figure id=\"attachment_179297\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-179297 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels.png\" alt=\"Woman holding a phone and looking at her laptop.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/09\/Laptop-Phone-Featured-Andrea-Piacquadio-Pexels-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Andrea Piacquadio\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Cards_That_Compete_With_the_Upgrade_Triple_Cash_Rewards_Visa\">Cards That Compete With the Upgrade Triple Cash Rewards Visa<\/span><\/h2>\n<p>The <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a> is a unique card, but it's not for everyone. If you don't think it's right for you, consider these three options:<\/p>\n<ul>\n<li><strong>If you prefer to earn a higher rate of cash back<\/strong>, check out the <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a>. This no-annual-fee card earns 5% on rotating bonus categories (up to $1,500 per quarter), 5% on travel purchased through Chase, 3% on dining at restaurants and drugstore purchases and 1% on other eligible purchases. Additionally, the card offers 0% introductory APR on balance transfers for 15 months. After that, the balance transfer fee is $5 or 5% of the amount of each transfer, whichever is greater. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Learn more about the Freedom Flex in our full review<\/a>.<\/li>\n<li><strong>If you want a card that earns travel rewards<\/strong>, consider the <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a>. This card earns an unlimited 2 Miles per dollar on every purchase, every day. 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Redeem miles for travel by transferring them to travel partners or by applying them to qualifying travel purchases made with your card. You also have a broad range of redemption options, such as cash back, statement credit, or gift cards. <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\" rel=\"noopener\">Learn more about the Capital One Venture in our full review<\/a>.<\/li>\n<li><strong>If you want a simple cash-back card that's great for balance transfers, <\/strong>the <a data-ccid=\"3002009\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\">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>) is worth a look. 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. You'll also get 0% intro APR on balance transfers for 18 months. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5). <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/\" rel=\"noopener\">Learn more about the Citi Double Cash in our full review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 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=\"qs-how-apply\" data-ccid=\"4048224\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseFreedomFlex\" target=_blank rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/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 up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" =_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other 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\/dfed8cb4-d376-4c8b-aed4-1997afa3d66a.png\" width=\"150\" alt=\"Capital One Venture Rewards Credit Card\" class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. <\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006151\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture Rewards Credit Card' href=\"\/blog\/link\/CR-COV\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/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>5X miles per dollar on purchases through Capital One Entertainment <\/li>\r\n<li>5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n<li>2X miles per dollar on all other 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\" data-exit=\"ccw\" 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>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The <a data-ccid=\"4048246\" href=\"\/blog\/link\/CR-UpgradeTripleCashRewardsVisa\" rel=\"noopener nofollow sponsored\">Upgrade Triple Cash Rewards Visa<\/a> is the card to have when you need to make home, auto, or health purchases. The ability to earn 3% cash back on home and auto repairs, for example, can add up quickly. Plus, a fixed rate on those often large purchases can help when it comes to paying back your card.<\/p>\n<p>This card may not be right for you if you want a more traditional credit card. So, before applying, it's a good idea to know what you plan to use this card for.<\/p>\n<div class=\"qs-card\" data-id=\"4048246\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Upgrade Triple 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\/11937034.png\" width=\"150\" alt=\"Upgrade Triple Cash Rewards Visa\u00ae\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-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>\n                    <div class=\"qs-rates\"><span class=\"qs-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><\/div>\n                    <div class=\"qs-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>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Upgrade Triple Cash Rewards Visa<sup>\u00ae<\/sup><\/strong>\n                    <div class=\"qs-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>\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 Triple Cash Rewards Visa<sup>\u00ae<\/sup> offers 3% cash back on purchases in home, auto, and health categories, and 1% cash back on all other purchases when paid back. It has no annual fee, provides credit lines from $500 to $25,000, and combines the flexibility of a credit card with the predictability of a personal loan. You can also earn up to 10% cash back with Upgrade Shopping powered by Dosh.<\/div><div class=\"qs-tab-er\"><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>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/UpgradeTripleCash\/\" 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?v2026-5-28e06111cb#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Upgrade Triple Cash Rewards Visa\u00ae earns 3% cash back on home, auto, and health purchases and 1% back on all other purchases. But because of how the card&#8217;s credit limits work, it isn&#8217;t right for everyone. Here&#8217;s how to decide if it&#8217;s right for you.<\/p>\n","protected":false},"author":76,"featured_media":179292,"comment_status":"open","ping_status":"closed","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":[36406,36412],"class_list":["post-176739","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\/176739","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=176739"}],"version-history":[{"count":27,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/176739\/revisions"}],"predecessor-version":[{"id":246833,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/176739\/revisions\/246833"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/179292"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=176739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=176739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=176739"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=176739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}