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Upromise® Mastercard®

Upromise® Mastercard® review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.74% ‐ 28.74% (Variable)
Interest Rate: Purchases
18.74% ‐ 28.74% (Variable)
Balance Transfer
18.74% ‐ 28.74% (Variable) (0% for the first 15 months)
Balance Transfer
18.74% ‐ 28.74% (Variable) (0% for the first 15 months)
1.25% cashback
1.25% cashback
Signup Bonus
$100 after spending $500
Signup Bonus
$100 after spending $500

Informr score
The Upromise® Mastercard® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Upromise® Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Educational expenses are on just about every family’s mind these days, and the Upromise Mastercard savvily targets that niche. By linking to a popular investment vehicle, the 529 plan, the card offers an appealing way to save, enhanced with some attractive ways to increase the amount of cash back. A...

- Miranda Marquit, Investopedia

The Upromise Mastercard offers a convenient way to put cash-back rewards toward an eligible college savings plan account. When used in conjunction with Upromise’s reward service and online partners, rewards earned toward college savings could be even more significant than the 1.529% cash back earnin...

- Chauncey Crail, Robin Saks Frankel, Forbes
The Balance
The Balance

May not be the most lucrative cash-back credit card available today, but it does come with the advantage of letting you transfer your rewards directly to a 529 college savings account. If you’re eager to start building up money for college and don’t want to pay an annual fee for a credit card, you m...

- Holly D. Johnson, Michael Rosenston, The Balance

The Upromise Mastercard is a solid option for anyone looking to start regular contributions toward a college savings plan. Just remember to compare the rewards you may get with other no annual fee cash back credit cards that offer more flexibility or higher cash back rates.

- Holly Johnson, NextAdvisor

The Upromise Mastercard created a novel way to use your everyday spending to maximize your college savings. Between the extra rewards and the round-up feature, you can use the card to seamlessly save for your child’s education without needing to do all the legwork yourself. It also has some other ni...

- Ben Luthi, SlickDeals


Interest Rates
Regular APR Interest Rate 18.74% ‐ 28.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.74% ‐ 28.74% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 45 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 28.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $100 after spending $500

On purchases within the first 3 months.

All Purchases 1.25% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details
  • Receive a 15% bonus on your total cash back when you link your Upromise Program account to an eligible 529 College Savings Plan
  • Upromise Round Up lets you Round Up your purchases so you can earn more cash back
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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