Everyone who applies and gets approved for the Upgrade Triple Cash Rewards Credit Card is entitled to a starting credit line of at least $500. Your specific spending limit will be determined to financial factors such as your income, credit score, credit history and ability to pay. Depending on where you stand financially, you could get a credit line as high as $25,000.

Yes. Sutton Bank, the card’s issuer, actually requires all new applicants to go through a pre-qualification process before submitting a formal application. Pre-qualification does not impact your credit score and gives you a pretty good idea of your approval odds. However, pre-qualifying does not guarantee you’ll actually get the card.

Yes. All your Upgrade Triple Cash Rewards Credit Card monthly payments are reported to the main credit bureaus in the United States (Equifax, Experian and TransUnion). By doing so, Upgrade helps you establish and maintain your credit score.