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3. Upgrade Triple Cash Focus Visa® review: Cash back on home, auto and health

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reviews

4

Rating: 4 out of 5.

Great for paying off major expenses

Annual Fee: $0

The average credit score for members who have matched with this card or similar cards is 616

The average credit limit for members who have matched with this card or similar cards is $3,721

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Upgrade Triple Cash Focus Visa® or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $3,721, with $2,000 being the most common.

Here’s the average credit score of members who matched their Upgrade Triple Cash Focus Visa® or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 616, with 579 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

51.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$83,357

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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Prequalification option

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Fixed interest rate and equal monthly payments

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Bonus cash back on home, auto and health categories

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Cash back only applied after you make payments

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APRs can be high

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Limited perks

What you need to know about the Upgrade Triple Cash Focus Visa® card

The Upgrade Triple Cash Focus Visa® isn’t a typical cash back card. Instead, card users will get a revolving credit line that works more like a personal loan. Once approved, you can use your line of credit to pay for purchases or have cash deposited into your bank account — and you’ll make predictable, set payments each month on your balance.

Bonus cash back on home, auto and health

With this card, you can earn 3% cash back on purchases (you may see different offers on Credit Karma) in the following categories:

• Home — Includes home improvement supplies, landscaping services, heating, etc.
• Auto — Includes parts, service, car washes, etc.
• Health — Includes spas, gym memberships, exercise equipment, etc.

Your cash back earnings will be credited to your statement. But unlike traditional cash back cards, you won’t be able to get your rewards until you’ve paid off the associated purchases.

Prequalify without affecting your credit score

With many financial products, the issuing bank runs a hard credit check as a preliminary step in the application process — an action that can negatively affect your credit scores. But Upgrade lets you apply for prequalification, which allows you to get an idea of what your credit line and APR will be before you formally apply. A soft credit inquiry for prequalification won’t affect your credit, though take note that a formal application may result in a hard inquiry on your credit, and you might see different terms than you received with your prequalification.

Potentially high credit line and lower APR

The card offers credit lines ranging between $500 and $25,000, depending on your credit health. But most credit line amounts are less than $15,000.

Purchase APRs range from 14.99% - 29.99%.

What else do you need to know about the Upgrade Triple Cash Focus Visa® card?

If you’re considering the Upgrade Triple Cash Focus Visa® card, here are a few other details that are important to know.

• Annual fee — You won’t be charged an annual fee.
• No cash withdrawals allowed — You can’t use the card at an ATM for cash withdrawals.

Who this card is good for

The Upgrade Triple Cash Focus Visa® has a decent unlimited cash back rate for home, auto or health purchases. If you’re looking to make a big purchase in one of these categories, you could get some cash back to offset some of your cost. But remember, you can’t get the benefit until you pay off your purchase.

If you don’t regularly spend in these categories or want a more standard cash back card, it might be better to look elsewhere or even consider a personal loan to cover a large purchase.

Not sure this is the card for you? Consider these alternatives.

If you think the Upgrade Triple Cash Focus Visa® might not be the card for you, take some time to consider other cards that might be a better fit. Here are some alternatives.

• Citi Double Cash® Card: Good for cash back on every purchase you make.
• Wells Fargo Active Cash® Card: This card also offers unlimited cash back on all purchases.