Upgrade triple cash rewards visa pre approval

At a Glance

The Upgrade Triple Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines up to $25,000 in one unique package. The card provides the flexibility and predictability consumers need to pay down balances and get debt-free quickly.

Ideal for Those Who:

• Struggle to pay off their credit card balances
• Want to earn up to 3% cash back on purchases
• Can reliably pay off their statement balances to earn cash back for their purchases
• Have a desire to get debt-free quickly
• Don’t want to pay an annual fee

Upgrade Triple Cash Rewards Visa® Review

The Upgrade Triple Cash Rewards Visa® is the latest cash back rewards and a low-rate credit card from Upgrade. Like the other offer from the issuer, the Upgrade Visa® Card with Cash Rewards, the Triple Cash Rewards combines the flexibility of a card with the low cost and predictability of a loan.

Earn Up to 3% Cash Back

The Upgrade Triple Cash Rewards Visa offers double the cash back rewards of the popular Upgrade Card with Cash Rewards. The Triple Cash allows cardholders to earn up to 3% back on purchases in select categories, with an unlimited 1% back on all other purchases.

Those triple cash back (3% back for every $1 spent on purchases) categories are broad, making the card a versatile earner that excels for use in everyday life. Cardholders earn 3% cash back on purchases in the “Home,” “Auto,” and “Health” categories. Since these categories are very broad, there is no telling how much cash back you can rack up with the card!

Like the Upgrade Visa® Card with Cash Rewards, the cash back rewards program with the Triple Cash Rewards Visa is slightly different from that of other issuers. Cardholders only get rewarded after they pay off their purchases via their billing statement. This condition ensures that cardholders remain responsible for paying off their debt, which can go a long way towards developing healthy money habits.

An Impressive APR

One of the most remarkable features of Upgrade’s credit cards is the exceptionally low rates they provide members. Where other banks focus on 0% introductory APR offers and decent interest rates after that, Upgrade focuses on ultra-competitive interest rates from the start.

Interest rates with the Upgrade Card start as low as 8.99%. Except for some smaller credit unions, virtually no banks provide an APR starting as low as the Upgrade Card from Sutton Bank. While that rate varies depending on the applicant’s creditworthiness, for those with excellent credit, Upgrade offers the perfect purchasing (and financing) platform.

The Predictability of a Loan

The Triple Cash Rewards Visa works and behaves just like other Upgrade Card products – a huge plus for those that want a great low rate and the predictability of an installment loan.  Cardholders can use funds from their line of credit to their bank account to pay off existing debt. This process makes the card an ideal alternative for a balance transfer credit card.

After the statement period finishes, Upgrade lumps all bank transfers and purchases into one balance, which the account holder pays down based upon their installment terms. With Upgrade, these repayment terms vary from 12 to 60 months, depending upon creditworthiness when applying.

According to research from Upgrade, paying off a $10,000 balance takes just a few years with the Upgrade Triple Rewards Visa, compared with other traditional credit cards that can take up to 20 years – or more.

The Flexibility of a Card

Since the Upgrade Triple Cash Rewards Visa® is a full-fledged Visa product, it also provides a credit card’s security and flexibility. Cardholders can use their credit line to make purchases anywhere that Visa is accepted worldwide – including no-touch payments with contactless technology built-in. New accounts also enjoy instant virtual card access while waiting for their new Upgrade Visa to arrive in the mail.

And, since the Upgrade Triple Rewards Card is a Visa product, cardholders enjoy all the safety and security that comes from Visa, including:

• Zero Fraud Liability
• Visa Roadside Dispatch
• Accident Rental Collision Damage Waiver
• Emergency Cash Disbursement and Card Replacement

No Hidden Fees

The Upgrade Triple Rewards Card positions itself as a different kind of credit card, so eliminating fees of any kind is keeping true to its mission statement. The card has no annual fee, no foreign transaction fees, no late fees, and no penalty fees or APR. There are also no balance transfer fees, making paying down balances even easier.

Increased Approval Odds for Average Credit Scores

People with fair FICO Scores often struggle to find a credit card offering more than 1% cash back rewards. With Upgrade, however, more credit scores have better access to impressive rewards than ever before.

Sutton Bank and Upgrade have a much broader range for credit application approvals, making the Upgrade Triple Cash Rewards Visa an almost unbeatable chance to get a versatile rewards card with no annual fee. While creditworthiness will vary depending on various factors, many applicants with a FICO Score over 620 have good approval odds for the card.

Does Upgrade card do pre approval?

What credit score is needed for an Upgrade Visa card?

What is the credit limit for the Upgrade Triple Cash Rewards Visa?

Does Upgrade visa do a hard pull?