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Advertiser DisclosureAdvertiser Disclosure

Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

See Rates and Fees

Upgrade Triple Cash Rewards Visa®

  • Earn a $100 bonus after making $500 in purchases and 3 consecutive on-time monthly payments within the first year after your account is opened.*
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • 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
Regular APRAnnual FeeCredit Needed
14.99% - 29.99% APR$0Fair, Good, Excellent

Offer Details

Acceptance Criteria
Credit Needed
Fair, Good, Excellent
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
14.99% - 29.99% APR
Fees And Charges
Balance Transfer Fee
Up to 5%
Annual Fee
$0
Rewards
Reward Type
cash back

105 Product Reviews

Dennis brandt
Upgrade card
2 months ago

Knowing g that I can count on you when needed

Timothy McFarland
So easy!
2 months ago

Upgrade has been so easy. Thank you for being there.

Janice
Upgrade review
2 months ago

This is a very good product. It has given me financial help when I\'ve needed it and made it easy to do so.

Doris J. Coy
Upgrade Card
2 months ago

This card has helped me when I was low on cash and needed to buy tires for my vehicle. It also helped me with some other purchases and services at a time when I didn\'t have the cash to spend.

Brian
Great card
2 months ago

Yes , great credit limit . Easy to use phone app

Kristin
K
2 months ago

I use this card if I have to. The interest is way too high at just under 30%. I\'m paying down some of my other cards, then this one is next. It\'s just too damn high.

Michael Casillas
Upgrade Card
2 months ago

This card has helped me with things like buying my incellin when money got short and groceries. And the people are great and enjoyable to talk to.I love the Upgrade family.

James Chasteen
Awesome Service
2 months ago

Having this product has helped me raise my credit score from 550 to 700

Robert Earl
Great card Highly Recommend
2 months ago

I appreciate my Upgrade card. It\'s there when.you need it!

Marco rossi
Needs work
2 months ago

It come thru in a pinch. But it too hard to get credit limit increase

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These responses are not provided, reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts are answered.

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.