1. Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the Terms and Conditions.
This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions.

Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For purchases, and new and outstanding balance transfers after the introductory period, the variable APR is 16.49%, 21.49% and 26.49% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 26.74%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance fees: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer, including the "About the Variable APRs on Your Account" section for the current Prime Rate information.

2. Cardmembers will earn 1.25% cash back for every $1 spent on purchases, less credits, returns and adjustments ("Net Purchases").

3. When your Upromise Program account is linked to an eligible 529 College Savings Plan prior to the end of your billing cycle, with the Upromise Mastercard you'll receive a 15% bonus on your total cash back, including Round Up Amounts.

4. Participation in Upromise Round Up is optional. In order to participate in Upromise Round Up you must set your threshold to any dollar amount from $1 to $500. If you do not wish to participate in Upromise Round Up, you should leave your threshold set to the default amount, which is $0. The total number of cents from purchases that are rounded up to the next whole dollar amount will be posted as a purchase to your Account and converted to cash back ("Round Up Amount") on the end of the day before your billing cycle ends, subject to your Upromise Program account remaining in good standing and not otherwise suspended or terminated. For example, if your Round Up Amount is $50, we will post $50 as a purchase to your Account and convert the $50 to cash back.

5. You will receive a one-time $100.00 cash back bonus after you spend $500 in Purchases, less credits, returns and adjustments within the first ninety (90) days of Account open date. The bonus will be shown separately on your billing statement and will be automatically transferred to your Upromise Program account along with all other cash back after the close of the billing cycle in which it was earned. This offer may be cancelled at any time without notice.

© 2020 Upromise, Inc. All rights reserved. Upromise, the Upromise logo, and other Upromise names and logos are service marks or registered service marks of Upromise. All other names and logos used are the trademarks or service marks of their respective owners.

The Upromise Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2020 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.