The Upgrade Triple Cash Rewards Visa® is a credit card/personal loan hybrid product. You can make purchases with the card and pay off your balance in full, or carry a balance and pay it back as a fixed-rate loan in equal monthly payments. You can also borrow against your credit limit like a personal loan.

While the Upgrade Triple Cash Rewards Card may make sense if you want to use it to pay down expenses in these categories with equal monthly payments at a fixed interest rate, it may not be the best card for everyday spending since you won't earn more than 1 percent back on general purchases.

Your Upgrade Card may be used to make purchases at retail locations or online. You can also make a draw from your account online to have funds sent directly to your bank account. You cannot receive cash through an ATM or receive cash back with purchases made using the Upgrade Card at retail locations.

Yes, the Upgrade family of cards is indeed legit.

Your Upgrade Card may be used to make purchases at retail locations or online. You can also make a draw from your account online to have funds sent directly to your bank account. You cannot receive cash through an ATM or receive cash back with purchases made using the Upgrade Card at retail locations.

Are there any foreign transaction fees when I use my Upgrade Card internationally? If you choose to use your card for foreign transactions, you will be charged a foreign transaction fee of up to three (3) percent of the transaction amount, subject to any limits under applicable law.

The Upgrade Cash Rewards Visa works differently than a typical credit card. Here's how: Upon approval, you're extended a line of credit, APR and installment terms of 12 to 60 months, based on your credit score. You can use the card either for purchases or transfer funds directly into your bank account.

You can pay back the loan in equal monthly installments over a set period with a fixed interest rate and a 5% cash advance fee. (You cannot use the card at an ATM to withdraw cash, however.) Personal loans are made by Upgrade's lending partners.

Upgrade's other offerings The Upgrade Cash Rewards Visa®, which earns 1.5% cash back on all purchases. Cash back will be applied to the next month's balance on your card. The Upgrade Triple Cash Rewards Visa®, which earns 3% cash back on home, auto and health purchases, and 1% back on everything else.

Upgrade will issue you a card that you can use at any retailer that accepts Visa - or you can transfer funds to your bank account. Keep in mind that you can't use the card at an ATM to withdraw cash.

The Upgrade Card combines the flexibility of a credit card with the predictability of a personal loan. Use the Upgrade Card online and at retail locations or have funds sent to your bank account. Learn more about the Upgrade Card.

Your Upgrade Card may be used to make purchases at retail locations or online. You can also make a draw from your account online to have funds sent directly to your bank account.