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.
|Authorized User Fee|
|Foreign Transaction Fee|
The Barclays Upromise Mastercard earns cash back at a flat rate for all purchases. You'll earn an unlimited 1.25% cash back on all purchases ran through the card.
- 1.25% All Purchases
Perks & 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
- Earn a 15% boost to earned cash back when linking your Upromise Program account to an eligible 529 College Savings Plan.
- Upromise Round Up
- Round up purchases to the nearest dollar based on threshold.
- Threshold can be set between $1 and $500.
- Roundabout way of putting your own money aside and earning 1.25% cash back on it.
- ShopRunner Membership
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.
The Upromise Mastercard has a $0 annual fee. This means you will always earn 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 ability.
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 the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.