Upromise® Mastercard®

Upromise® Mastercard®

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

Upromise Round Up

lets you Round Up your purchases so you can earn more cash back4


annual fee1


  • 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. 


  • No Foreign Transaction Fees

    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 changed5.


    Introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 22.24%, 27.24% 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 membership6.

  • $0 Fraud Liability protection

    Fraud Liability Protection means you're not responsible for charges you did not authorize.

Interest Rates and Charges Summary

Fee Summary

See Terms and Conditions for a complete listing of rates and fees

Frequently Asked Questions

Important Information

  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 card members. 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 17.24%, 22.24% and 27.24% depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 27.49%. 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 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 Upromise 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. FICO® Credit Score Access: FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclaycard offers FICO® Score access at its sole discretion. Not all accounts will have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO® Score, your account with us must be open, active (having activity within the past 150 days) and in Good Standing.

  6. ShopRunner: Additional terms and conditions apply. For additional information, please refer to the Guide To Benefits that will be provided with the credit card.

    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.

    © 2018 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.