Barclays Upromise Mastercard Calculator

Calculate how much cash back you can earn with the Barclays Upromise Mastercard based on monthly/yearly spend and compare the results against top cards.
Updated 2020-07-09 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

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.


Annual Fee

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.

Rewards Calculator

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.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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