Upgrade Triple Cash Rewards

The phrase “buy one, get two” was never so appropriate for a credit card before. The Upgrade Triple Cash Rewards aims to work as two types of products that could be very useful for your financial health: a personal loan and a conventional rewards credit card. 

Does it sound a bit confusing? It could be, but you’ll understand everything about this credit card and how it works along this article. For now, all you have to know is that this credit card offers you great rewards as long as you purchase in the right categories. 

Some people are experts at working their way through many rewards cards. If your objective is to get some cash back while purchasing categories that aren’t usually covered by other cards, this could be a great choice. 

Unlike other Upgrade choices, you’ll get a lot more than just 1,5% cash back on all purchases. Are you ready to find out how this credit card could help you get more rewards as you spend? You’ll also find out how the rewards program works, whether there’s an intro offer and other details about the Upgrade Triple Cash Rewards. 

How does the Upgrade Triple Cash Rewards work? 

You probably clicked on this article after finding out that the Upgrade Triple Cash Rewards has a 3% cash back program. That’s true, which means that you’ll earn a lot more than you’d get through most cards by this credit card provider. 

It also works as a personal loan type of card. Everything comes from the Upgrade fintech, but is issued by the Sutton Bank. This is important information for anyone who’s worried about security. After all, without a credible financial service provider you could be in danger of fraud. That isn’t the case with the Upgrade Triple Cash Rewards, which has all of the credentials behind it as well as the regular safety precautions from Visa. 

However, here comes a warning: this isn’t a credit card for beginners. Choosing the right categories and how you spend money on them can be quite complex. So we recommend you only choose this credit card if you already have some experience with this type of program. 

As you’ll see below, there are a few details that you’ll have to watch out for while making your purchases. 

Main advantages of the Upgrade Triple Cash Rewards

The Upgrade Triple Cash Rewards has many advantages, especially when it comes to the rewards program. But it’s also quite a cheap credit card to keep in your wallet, even if you don’t use it that often or cash in on the rewards. After all, there’s no annual fee to worry about and you could get a low purchase APR according to your credit scores. 

Some other pros of keeping the Upgrade Triple Cash Rewards with you include: 

• Extended warranty and protection on items purchased with the card;
• Access to a 24/7 concierge service;
• Reports to all three major credit bureaus to keep your numbers good;
• Unlimited 3% cash back rewards on select categories;
• App access anytime; 
• No foreign transaction fee;
• $0 fraud liability clause; 
• Access to a virtual card immediately after getting an approval. 

Not only is this a cheap credit card, it’s also practical. As soon as you are approved to use it, you can start purchasing by using the virtual version. This is also available through the app, which means you can use it on the go. 

Cash back program

You’ll earn the promised 3% cash back whenever you purchase in these categories:

• Home;
• Auto; 
• Health. 

Are you planning for big expenses on car repairs or home renovations? That’s alright, you’ll earn 3% unlimited cash back. This is great for anyone who has big expending plans coming up, since you’ll get a bit of money back. 

But that’s not all there is to it! The health category is also quite great. You’ll get the 3% back whenever you buy at drugstores, go to the doctor, spa services or make sporting goods purchases and pay for your gym membership. 

As for the auto categories, this includes any type of repairs and parts, but also small services, such as a car wash. 

There are very few credit cards that offer rewards for these niche categories. Maybe this credit card won’t be perfect for your day to day activities. But anyone who’s a big spender on such categories might want to keep this credit card close by. 

You can use the Upgrade Triple Cash Rewards as a loan!

Actually, the Upgrade Triple Cash Rewards isn’t exactly a credit card. If you just use it for conventional purchases it’ll certainly feel like one, but this is a credit line. While credit cards offer you a grace period, usually one billing cycle, the line does not. 

Which means that interest rates will automatically be included throughout the installments you pay for this card. In a credit card it’s possible to avoid interest by simply paying on time. With a credit line, such as the Triple Cash Rewards, the interest is applied the day after you make a purchase. 

It might sound like a bad choice, but for large purchases that you have to pay for more than 12 months it’ll actually be quite good. We also recommend the Upgrade Triple Cash Rewards if you’re not approved for a low interest credit card for these purchases.

Combine the low interest rate and 3% cash back and you’ll have the ideal choice for your home renovations. 

Rates and fees for the Upgrade Triple Cash Rewards

We mentioned this could be a cheap credit card to keep, but how much does it cost for real? You’ll find out that there are some fees and interest rates you might want to be careful about, but overall it’s quite simple. Check out the main fees for this card:

• 8,99% to 29,99% variable APR (it all depends on your credit score);
• $0 annual fee;
• No foreign transaction fee. 

You can apply even with a regular credit score. Find out if you’re approved for the Upgrade Triple Cash Rewards in just a few minutes by using the official website.

Conclusion

• Dual Benefits: Offers 3% cash back on select categories (Home, Auto, Health) and functions as a credit line with daily interest application.
• Cost-Efficiency: No annual fee and no foreign transaction fee, making it a cost-effective choice for international and high-value purchases.
• Flexibility: Immediate virtual card access and strong security features, including fraud protection and reporting to major credit bureaus.
• Interest Rates: Variable APR from 8.99% to 29.99%, with interest starting from the day of purchase, which might be advantageous for larger expenses over time.
• Best For: Users who are experienced with rewards programs and have significant spending in the designated categories.

Overall, if you frequently make purchases in the home, auto, and health categories and can manage the credit line’s interest structure, this card could offer substantial rewards and practical benefits.