Cross River Bank
Upgrade Triple Cash Rewards
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Card review
Upgrade Triple Cash Rewards
Cross River Bank
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
$256/yr
Credit score
Varies
Top earn rate
3x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Upgrade Triple Cash Rewards from Cross River Bank carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $255.60 in rewards plus $0.00 in credits and perks — $255.60 net per year before welcome bonuses.
How the points work
Merchant Categories
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseHome | 3× |
| Everything elseAuto Parts & Service Stores | 3× |
| Everything elseHealth care | 3× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
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Reward Calculator
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.