Barclays Upromise Mastercard
Calculate how much cash back you can earn with the Barclays Upromise Mastercard based on monthly/yearly spend and compare it against top cards.
The Barclays Upromise Mastercard is for those who want to earn extra money towards their college savings without them actually knowing they're saving. With the ability to earn bonus cash back when linking your Upromise Mastercard to a 529 College Savings Plan and the benefit of being able to add your round up your purchase amounts to your cash back total, you can easily rack up cash back at a decent rate.
The Barclays Upromise Mastercard earns cash back at a flat rate for all purchases. There is no limit to the amount of cash back you can earn at the flat rate and no limit to the amount of cash back you can earn overall.
1.25% All Purchases
The Barclays Upromise Mastercard earns 1.25% cash back on all purchases. When it comes to normal earnings, this can easily be beat by the many 1.5% cash back cards on the market including the Capital One Quicksilver Card and AMEX Cash Magnet Card. The benefits of this card is based on the 15% boost benefit and the Round Up ability. If you don't plan on using either of these benefits, I recommend finding a different cash back credit card.
Perks and Benefits
The Barclays Upromise Mastercard comes with a few great perks that defines the card and makes it worthwhile beyond the 1.25% return it earns on all purchases.
529 College Savings Plan
Upromise Mastercard holders will earn a 15% boost to their earned cash back when they link their Upromise Program account to an eligible 529 College Savings Plan. The 15% boost also applies to cash back earned from the Upromise Round-Up perk as well. The 15% boost to earned cash back gives this card a slight bump up to a 1.43% return. Again, you can do better with a 1.5% cash back card, but the benefit of this card is that you can easily save money by rounding up your spend and earning a bonus off that spend as well as your normal cash back.
Upromise Round Up
Upromise Mastercard holders will be able to round up their purchases to the nearest dollar, based on the threshold they set. This threshold can be set anywhere between $1 and $500. The bonus to this is that the Round Up Amount is considered as a purchase which will earn 1.25% cash back. For example, if you make a $4.06 purchase, your round up amount will be $0.94 cents. That $0.94 cents will then be posted as a purchase to your account and converted to cash back on the day before the billing cycle ends. This is basically a roundabout way of putting your own money aside and also earning 1.25% cash back on it. So if you have $500 in Rounded Up cash back at the end of period, that's $500 of your own money that would be posted in your account as cash back and you would also earn $6.25 on top of that.
ShopRunner is a very useful membership in which you can enjoy 2-day shipping from over 100 stores. This includes stores such as:
- Calvin Klein
- Contacts Direct
- Hugo Boss
- Kate Spade
- Neiman Marcus
- NFL Shop
- Saks Fifth Avenue
- Vera Bradley
Those with a ShopRunner account will be prompted to log in during checkout when shopping at a store that participates in the program.
Sign Up Bonus
The Upromise Mastercard does not feature a sign up bonus, but it does have a 0% APR balance transfer for 15 months.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Upromise Mastercard has a $0 annual fee. This means you will always be earning at least 1.25% on all purchases.
Authorized User Fee
The Upromise Mastercard does not have an authorized user fee. You can add users to the card if you're looking to build your cash back faster. Authorized users will also be able to participate in the Round Up abililty.
Foreign Transaction Fee
There is no foreign transaction fee on the Upromise Mastercard. This means you can use the card outside of the United States without worrying about incurring extra charges for foreign purchases.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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