What’s The Process For Applying For The Upgrade Triple Cash Rewards Visa®? – CashCreditDigest

What’s The Process For Applying For The Upgrade Triple Cash Rewards Visa®?


Is the Upgrade Triple Cash Rewards Visa® Worth Considering?

This card presents a compelling case with its generous credit limit and competitive rates, making it an excellent choice for sizable purchases. Unlike traditional loans that offer no rewards, the Upgrade Triple Cash Rewards Visa® entices with cashback incentives.


  • Versatile: This card functions both as a credit card and a personal loan, allowing you to divide your balance into fixed-rate monthly payments;
  • Accessibility: You can apply for it even with a less-than-perfect credit score, although it may affect your credit limit and interest rates;
  • Credit Lines: The credit lines span from $500 to $25,000;
  • Rewards: Enjoy 3% cashback on practical bonus categories, alongside 1% cashback on all other purchases, credited upon bill payment;
  • No Annual Fee: This card does not incur an annual fee.


  • High APR: The card comes with a relatively high APR;
  • Regulatory Consideration: Some experts argue that it resembles a loan or line of credit, potentially subject to different regulations compared to traditional credit cards. Therefore, it’s essential to thoroughly read the terms and conditions before applying;
  • Limited Availability: Unfortunately, it’s not available in DC, IA, WV, or WI.

Credit Score Requirements:

To be eligible for the card, you’ll need a minimum credit score of 630 or higher. A higher credit score can potentially unlock better offers, APRs, and credit limits.

How to Apply for the Upgrade Triple Cash Rewards Credit Card:

Getting your hands on the Upgrade Triple Cash Rewards Visa® is a straightforward online process, taking just a few minutes.

Here’s a quick overview:

  1. Eligibility: You must be a US citizen, at least 18 years old, and have a US address.
  2. Pre-Qualification: You can start by pre-qualifying for an offer with a soft pull, which won’t impact your credit score. If you’re interested in the rates offered, you can proceed with the full application.
  3. Online Application: Fill out the form on the Upgrade website with your basic information, including your full name, address, date of birth, and income.
  4. Account Creation: Sign up with an email and password, agree to the terms, and click “apply now” to submit your Upgrade Triple Cash Rewards Visa® application.

Please note that this card is not available in DC, IA, WV, or WI. Upgrade will review your application and provide you with an offer.

*Disclaimer: To earn the welcome bonus, open and fund a new Rewards Checking account, complete 3 qualifying debit card transactions within 60 days of opening your Upgrade Card account. Transactions must exclude ATM withdrawals. Your Upgrade Card and Rewards Checking account must remain in good standing to receive the bonus. Former Rewards Checking account holders or those who don’t open one during the application aren’t eligible. Bonuses can’t be combined, substituted, or applied retroactively. The one-time payout will be credited to your Rewards Checking account within 60 days after the 3rd qualifying purchase.