Upromise® Mastercard®

Earn more rewards towards College every day and get $100 bonus

Updated: Sep 17, 2022

Advertiser Disclosure

The Upromise Mastercard is a unique cash back world Mastercard that rewards cardholders for each purchase. Cardholders also have the opportunity for 15% cashback bonus when linking their 529 Plan. In addition to no annual fee and convenience, the Upromise card is a great option for those who wanna save for a college.




As low as 14.99% Variable



124 User Ratings

Upromise® Mastercard®

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Introductory APR


Intro APR Period

15 months

Recommended Credit Score


Key Features

  • 0% Introductory APR for 15 months on balance transfers made within 45 days of account opening
  • Earn $100 cash back after spending $500 on purchases in the first 90 days
  • Earn 1.25% cash back on every purchase
  • Get 15% bonus on your total cash back when you link your Upromise Program account to an eligible 529 College Savings Plan
  • Earn more with Upromise Round Up, when you round up your purchases to the nearest dollar.
  • No foreign transaction fees on international purchases
  • Free online access to your FICO® Credit Score
  • Get free 2-day shipping and free return shipping on eligible purchases with your complimentary ShopRunner membership
  • No annual fee

Our Take

The Upromise Mastercard is a credit card issued by Barclays Bank Delaware makes an attractive promise to its cardholders. The promise is that you can earn more rewards every day. There is a generous cash back offer, bonus rewards, savings, and round-up. Cardholders can earn even more by being Upromise members and linking this World Mastercard to a 529 account.

In addition to the great rewards, there is no annual fee and no international transaction fee. Other fees include a late payment fee and a returned payment fee. If a late payment is made, a penalty APR is assessed to the account and it can be in place indefinitely. However, it is possible to avoid interest on the card completely by paying the balance within 23 days after the billing cycle close date.

What are Upromise Mastercard Benefits?

More rewards every day

Upromise Mastercard offers a monthly rewards program with no annual fee. With this card, you earn 1.25% rewards for each purchase made and can round up purchases to the nearest dollar thus earning more rewards everyday. This card is a great option for those who want to be financially responsible and put their money toward future goals. With this card, you can earn rewards for a variety of purchases.

15% cash back bonus

Upromise is a money-saving tool that can help you save money on college or university expenses for your children. You can apply for a college savings account with Upromise, and you will get a 15% cash back bonus on each purchase if you link a 529 account.

Balance transfer offer

Upromise’s Balance Transfer Offer is a great option for people who want to transfer debt from another card to their Upromise Mastercard. It’s a 0% introductory interest rate for 15 months on balance transfers made within 45 days of opening a new account. This makes it a great option when you are looking to pay off existing credit card debt.

No foreign transaction fees

You can avoid all of the fees associated with international travel and shopping by using your Upromise Mastercard. When you use your Upromise Mastercard, you won’t have to worry about the foreign transaction fee. In addition, you won’t have to worry about any currency conversion fees when you shop in other countries.

Free FICO credit score

Upromise’s MasterCard cardholders can receive their FICO score anytime. Cardholders will receive email alerts when their score changed. The card also offers the ability to access their FICO score in a secure online portal.

ShopRunner membership

Upromise cardholders will receive a complimentary ShopRunner membership, which comes with free return and free 2-day shipping. If a card holder earns enough points, they will be able to get a $50 credit for their card, which can be used for anything in their account.

Are there any Disadvantages?

Cashback rate

The Upromise Mastercard has a fixed 1.25% cashback on all purchases. But, if you want to find a card with more cashback, you need to look for other options.

Does not accept bad credit

Even though the Upromise Mastercard is a credit card that offers rewards and financial education, among other things, it is not for everyone. If your credit score is below the minimum, you will not be approved for this card.

Should you Get the Upromise Mastercard?

If you are looking for attractive no fee options to save some extra money for your education or kids college, the Upromise Mastercard is a great choice. However, if you a high cash back deals hunter you should look for other options.

Frequently Asked Questions

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Basic Information
Issuer: Barclays Bank Delaware
Network: Mastercard®
Category: Consumer (Premium)
Review: Full Card Review
Best Used For:
  • Co-Branded
  • Low Interest Rate
  • No Foreign Transaction Fee
  • Unsecured
  • Intro Bonus
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • College Rewards
  • Other Rewards
Reward Units: Cash
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Balance Transfer
Intro Period: 15 months
Regular APR: As low as 14.99%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 25.24%
Grace Period: 23 days
Late Payment Fee: Up to $39
Other Fees:
  • Minimum Interest Charge: $0.50
  • Returned Payment Fee: Up to $39
  • Foreign Transaction: 0% of each transaction in U.S. dollars.

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Non-Affiliate Offer Disclosure
*The information provided for Upromise® Mastercard® is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

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