Card Details

Regular APR:	16.49, 21.49 or 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for first 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 1.25% cash back on all purchases Receive a 15% cash back bonus when your Upromise Program account is directly linked to an eligible 529 College Savings Plan
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Use your Upromise Mastercard and earn 1.25% cash back on all purchases
Upromise Round Up lets you round up your purchases to the nearest dollar, based on the threshold you set (from $1 to $500). The total Round Up Amount is considered a purchase and also earns 1.25% cash back
Receive a 15% cash back 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, including Upromise Round Up Amounts
No foreign transaction fees on international purchases
0% Introductory APR for 15 months on balance transfers made in first 45 days

Is Upromise Mastercard worth it?

Upromise Mastercard is a solid card for saving money for college. The Round Up feature allows you to round up your purchases to the nearest dollar, the total Round Up Amount is considered a purchase.

Cardholders earn 1.25% cash back on all purchases, including Round Up Amounts, and you receive a 15% bonus on your total cash back when your Upromise Program account is directly linked to an eligible 529 College Savings Plan. Other cards, like Citi Double Cash, earn you unlimited 2% cash back on all purchases. That said, if you’re interested in being incentivized to save for college, this is a solid card for you.

Pros

0% for first 15 billing cycles for transfers in first 45 days
Earn 1.25% cash back on all purchases
No foreign transaction fee

Cons

Other cards have higher cash back rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Upromise Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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