Upromise® Mastercard®: Calculator & College Savings Rewards
Fees
Earning Rates
- Earn 1.25% bonus cash back rewards on your purchases if your Upromise Program account is not linked to a College Savings Plan.
- Earn 1.529% bonus cash back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan.
Main Benefits
- Round up your purchases to the nearest dollar
- No foreign transaction fees on international purchases
Our Take
Upromise Mastercard Cash Back Calculator
Use this calculator to estimate your cash back earnings with the Upromise® Mastercard®. Earn 1.25% cash back on all purchases, with rewards automatically deposited into your linked 529 college savings plan, helping you save for education expenses effortlessly.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Upromise® World Mastercard® Details
Earning Rates
The Upromise Mastercard earns cash back at the following rates:
- 1.529% Cash Back Rewards when linked to an eligible College Savings plan
- 1.25% Cash Back Rewards on your purchases if your Upromise Program account is not linked to a College Savings plan.
Rewards Value & Calculator
Key Benefits
Here are the main benefits of the Upromise Mastercard:
- Upromise Round Up: Upromise Round Up lets you round up your purchases to the nearest dollar, based on the limit you set (from $1 to $500). The total Round Up Amount is considered a purchase and converted to cash back rewards.
- Bonus Cash Back: Get up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus, powered by Upromise.
Fees
Annual Fee
The Upromise Mastercard has no annual fee.
Authorized User Fee
There is no fee to add authorized users to the Upromise Mastercard.
Foreign Transaction Fee
The Upromise Mastercard has no foreign transaction fee. This means you can use to the card outside of the United States and will not be penalized for doing so.
