Barclays Upromise Mastercard - Cash Back Calculator

Barclays Upromise Mastercard

1.25% All Purchases
15% Boost w/ 529 College Savings Plan
Upromise Round Up
ShopRunner Membership

Calculate how much cash back you can earn with the Barclays Upromise Mastercard based on monthly/yearly spend and compare it against top cards.


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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.

Bonus Categories

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 Membership

ShopRunner is a very useful membership in which you can enjoy 2-day shipping from over 100 stores. This includes stores such as:

  • Autozone
  • Burberry
  • Calvin Klein
  • Contacts Direct
  • eBags
  • 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

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

and Card Value Calculator

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2019-09-19

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