topic Upgrade Triple Cash Visa in Credit Cards

Upgrade Triple Cash Visa

Beast26 — Mon, 23 Sep 2024 18:27:29 GMT

What is the catch for this card and or other upgrade cards? Some say it's a personal loan and you pay interest as soon as you use it for a purchase. Credit karma got 2 of their cards with a $400 sign up bonus if you open a checking account with them and make 3 purchases. Honestly that's all I would do if I got the card for the bonus and keep it for a while. Any downsides to these upgrade cards or the bank itself?

Re: Upgrade Triple Cash Visa

unsungivy — Mon, 23 Sep 2024 18:31:43 GMT

Calling @ptatohed to aisle 3. Cleanup in aisle 3.

Ptatohed is the local Upgrade expert.

Re: Upgrade Triple Cash Visa

Beast26 — Mon, 23 Sep 2024 23:18:08 GMT

Maybe he's at work.

Re: Upgrade Triple Cash Visa

ptatohed — Tue, 24 Sep 2024 05:13:46 GMT

I have no issues with my upgrade card. I have EarlyPay turned on and have never paid interest. Also, one of the easiest $400 bonuses out there.

Re: Upgrade Triple Cash Visa

TyrannicalDuncery3 — Fri, 06 Jun 2025 15:07:57 GMT

Thanks everyone for the Upgrade info!

I was thinking about getting one to try to help my credit mix; do you think that might help me a bit? Just increase my balance to positive shortly before I apply for new cards? Not sure.

Maybe this is a better question for the credit report subforums, not sure.

For context, my credit is pretty good and I apply for maybe 3-6 cards per year. I don't have any loans outstanding though, so I think that hurts my score a bit due to mix. But I'm not sure whether issuers actually care about mix or about score beyond a certain point. For me, it's usually velocity that's the limiting factor.