FAQS terms and conditions Privacy Policy
upromise icon You promise to let them do it themselves. Upromise helps you save for college.
The Upromise® Mastercard® has the benefits you need to succeed. upromise master card icon
No Annual Fee1
NEW CARDMEMBER BONUS OFFER Earn $100 cash back after spending $500 on purchases in the first 90 days5
Save for them every day
Earn 1.25% Cash Back Receive 1.25% cash back on every purchase, everywhere you shop.2
Earn More with Upromise Round Up Upromise Round Up lets you round up your purchases to the nearest dollar so you can earn more cash back.4
Boost your savings
Earn a 15% Bonus When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 15% bonus on your total cash back earned, with the Upromise Mastercard, including Round Up Amounts.3
Redemption Options Visit Upromise.com for all redemption options.
BALANCE TRANSFER OFFER 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 21.49% , 26.49% based on your creditworthiness. There is a fee for balance transfers.1
Please see Terms and Conditions for important information regarding this offer.
Maximize your college savings with the Upromise Mastercard Just make everyday purchases and round them up to the nearest dollar with your card. Illustration below is based on an average monthly spending of $2,000, plus a Round Up Amount of $50.
upromise calculation upromise calculation
every purchase to the nearest dollar on all your purchases including your Round Up Amounts on your total cash back when you link your Upromise Program account to an eligible 529 College Savings Plan Add your Round Up Amount,cash back from purchases and 15% linking bonus to get your total
$50 Round Up Amount
$25.63 cash back
$11.34 bonus
$86.97 cash back earned
upromise calculation
Add your Round Up Amount,cash back from purchases and 15% linking bonus to get your total
$86.97 cash back earned monthly
Then, watch your savings grow year after year... Put your savings into an eligible 529 College Savings Plan and
watch it grow even more. year chart calculation The charts above are an estimate for illustrative purposes only. Cash back earned will be based on your actual spend on your Upromise Mastercard. 529 College Savings Plan returns are based on a 5% yearly rate of return, compounded monthly. The calculations shown assume that the Upromise Round Up threshold has been met and the cardmember's Upromise Program account has been linked to an eligible 529 College Savings Plan.
Get the Upromise Mastercard Today!
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FAQS terms and conditions Privacy Policy

1. Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, other costs, the rewards program and benefits associated with the use of the credit card program, 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).

Annual Fee: $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. For more information see the "About the Variable APRs on Your Account" section of the Terms and Conditions. The minimum monthly interest charge will be $0.50. Balance transfer fee: 3% (min. $5). Cash advance and cash equivalent fees: 5% (min. $10). Foreign transaction fee: 0%. See Terms and Conditions for updated and more information about the terms of this offer.

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 one hundred dollar ($100.00) cash back bonus after you spend five hundred dollars ($500) in Net Purchases 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.

Upromise, the Upromise logo, and other Upromise names and logos are service marks or registered service marks of Upromise, Inc.

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.

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