Cross River Bank · Visa Signature · Personal
Upgrade Triple Rewards
A no-annual-fee card earning cash back: 3× on 6 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $200Cash bonus
- Top rate
- 3×6 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $200 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
Bonus terms: Earn a $200 bonus when you also open a Rewards Checking Preferred account and make 3 debit card transactions.
Earning structure
7 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Auto Parts & Service NotesAutomobile Rental Agency | Automotive Paint Shops | Automotive Service Shops (Non-Dealer) | Automotive Tire Stores | Automotive Top & Body Shops | Camper, Recreational and Utility Trailer Dealers | Car and Truck Dealers (New and Used) — Sales, Service, Repairs, Parts, and Leasing | Car and Truck Dealers (Used) — Sales, Service, Repairs, Parts, and Leasing, and much more... Merchant examples: Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more. | 3× | $3.00 | |
| Drug Stores | 3× | $3.00 | |
Home Improvement Stores NotesAir Conditioning and Refrigeration Repair Shops | Carpentry | Carpet and Upholstery Cleaning | Construction Materials Not Elsewhere Classified (Business to Business MCC) | Contractors, Concrete | Drapery, Window Covering, and Upholstery Stores | Durable Goods Not Elsewhere Classified (Business to Business MCC) | Electrical Contractors, and much more... Merchant examples: Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more. | 3× | $3.00 | |
Self-care / Spa Services NotesBicycle Shop-Sales and Services | Chiropractors | Counseling Services - Debt, Marriage, and Personal | Dance Halls, Studios & Schools | Dentists and Orthodontists | Doctors and Physicians - Not Elsewhere Classified | Drug Stores and Pharmacies | Health and Beauty Spas | Hearing Aids--Sales, Service, and Supplies | Hospitals | Medical and Dental Laboratories, and much more... Merchant examples: Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more. | 3× | $3.00 | |
Special NotesHardware, Home supply, Landscaping Services, Heating, Plumbing, A/C… Merchant examples: Home Depot, Lowe’s, Menards, Wayfair, IKEA, and more. Automotive parts, Car dealers, Car washes, Tires, Towing Services… Merchant examples: Tractor Supply Co, Discount Tire, Firestone, Tires.com, Mavis Tire, and more. Health and Beauty Spas, Gym memberships, Exercise equipment… Merchant examples: Walgreens, CVS, Academy Sports, Dick’s Sporting Goods, MidwayUSA.com, and more. | 3× | $3.00 | |
| Sports & Recreation | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Cross River Bank
- Point system
- Cash back
- Foreign transaction fee
- Yes, 3%
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Alternatives
Head to head with similar cards
 Upgrade Triple Rewards |  Apple Card |  Harris Teeter Rewards |  Zions Bank Vivid Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $200 | None | $100 | 30,000 pts |
| Top rate | 3×6 categories | 3×6 categories | 5×5 categories | 3×11 categories |
| Travel value * | –Cash back | –Cash back | –Cash back | –Zions Bank Rewards |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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