Upgrade Triple Cash Visa

Beast26 · ‎09-23-2024

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?

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

unsungivy · ‎09-23-2024

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

Ptatohed is the local Upgrade expert.

Robinhood Gold Card VS | $10k @ 29.24% (prime + 22.49%) | 8/20/2025

Gemini Card WMC | $21k @ 16.49% (prime + 9.74%) | 6/21/2022

Elan Financial Max Cash Preferred WMC | $25k @ 17.99% (prime + 11.24%) | 7/20/2021

Elan Financial Max Cash Preferred VS | $25k @ 17.99% (prime + 11.24%) | 7/20/2021

BofA Premium Rewards VS | $25k @ 14.49% (prime + 7.74%) | 4/13/2019

BofA Customized Cash Rewards VS (no FTF) | $28k @ 16.49% (prime + 9.74%) | 4/13/2025

BofA Customized Cash Rewards WMC | $25k @ 14.49% (prime + 7.74%) | 4/13/2022

Citi ThankYou MC | $12.9k @ 32.49% (prime + 25.74%) | 7/20/2024

Chase Freedom Flex WMC | $25k @ 20.74% (prime + 13.99%) | 7/20/2024

Amazon Prime VS | $25k @ 17.49% (prime + 10.99%) | 1/20/2021

Chase Marriott Bonvoy Boundless VS | $23.1k @ 24.74% (prime + 17.99%) | 7/20/2025

AU -

The Ritz-Carlton Card VI (Authorized User) | $20k @ 20.24% (prime + 12.99%) | 9/11/2023

Sock -

AOD FCU VS | $5k @ 17.99%-!? (prime + 9.50%) | 6/15/2021

Affinity FCU Cash Rewards VS | $35k @ 16.00% (prime + 9.25%) | 6/17/2022

AmEx Blue Cash Everyday | $10k @ 17.49% (prime + 10.74%) | 7/20/2022

AmEx EveryDay | $20k @ 16.49% (prime + 9.74%) | 8/12/2003

On my

AmEx Marriott Bonvoy Brilliant | Planned 7/20/2026

Biz -

Chase Ink Business Preferred VS Business | $25k @ 16.74% (prime + 9.99%) | 6/21/2021

Chase Ink Business Cash VS Business | $3.5k @ 16.74% (prime + 9.99%) | 6/21/2025

AmEx Blue Business Plus | $30k @ 16.74% (prime + 9.99%) | 6/21/2024

AmEx Marriott Bonvoy Business | $25k @ 26.49% (prime + 19.74%) | 6/21/2025

Debit Cards -

PayPal Debit Card | 5% Cashback | 9/21/2024

Quontic Cash Rewards Checking Debit Card | 1% Cashback | 12/1/2024

Affinity Cash Back Debit Card | 1% Cashback | 9/21/2024

Affinity High-Yield Checking Debit Card | 5.5% APY on $15k | 9/21/2024

Chopping Block -

Chase Ink Business Unlimited VS Business | $500 @ 16.74% (prime + 9.99%) | 6/21/2024

Beast26 · ‎09-23-2024

Maybe he's at work.

Revolving history: 2 years 4months across the board
AAoA:
TU: 5yrs 10months
EX: 2yrs 2 months
EQ: ~5yrs 6 months
Inquiries: Ex: 1/12. EQ: 1/12 Tu: 1/12
As of 10-5-2020

Quicksilver $3,000
Discover It Miles $17,500
Chase Freedom Flex $4,400
Amazon Prime Store Card $6,000
Walmart MC $2,500
Wells Fargo Active Cash $8,000
Citi Custom Cash $8,400
Verizon Visa $20,000

ptatohed · ‎09-23-2024

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.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

TyrannicalDuncery3 · ‎06-06-2025

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.

Have: