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Upromise® Mastercard®

Upromise® Mastercard®

$100 Cash Back Bonus

Earn $100 cash back after spending $500 on purchases in the first 90 days5

Earn 1.25% cash back

on every purchase2

Receive a 15% bonus on your total cash back 

when you link your Upromise Program account to an eligible 529 College Savings Plan3

$0

annual fee1

Rewards

  • Earn a $100 Cash Back Bonus

    Earn $100 cash back after spending $500 on purchases in the first 90 days.

  • Earn 1.25% cash back

    Use your Upromise Mastercard and earn 1.25% cash back on all purchases.

  • Earn more with Upromise Round Up

    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.

Benefits

  • No foreign transaction fees

    on international purchases.

  • Free online access to your FICO® Credit Score

    lets you keep an eye on your credit score and get email alerts when we learn that your score has changed.6

  • 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.

  • ShopRunner

    Get free 2-day shipping and free return shipping on eligible purchases with your complimentary ShopRunner membership.7

  • $0 Fraud Liability protection

    means you're not responsible for charges you did not authorize.

Interest Rates and Charges Summary

APR for purchases

16.49%, 21.49% or 26.49% variable based on your creditworthiness.

APR for balance transfers

0% introductory APR for 15 months for each balance transfer made within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), 16.49%, 21.49% or 26.49%, based on your creditworthiness.

APR for cash advances

26.74%

Fee Summary

Annual fee

$0

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Frequently Asked Questions

Important Information