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
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 changed.5
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.
Get free 2-day shipping and free return shipping on eligible purchases with your complimentary ShopRunner membership.6
$0 Fraud Liability protection
Fraud Liability Protection means you're not responsible for charges you did not authorize.
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), a variable APR will apply, 16.49%, 21.49% or 26.49%, based on your creditworthiness.
APR for cash advances
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater.
Where can I use my Upromise® Mastercard® to earn cash back?
How does the 15% bonus work?
What is Upromise Round Up?
How does Upromise Round Up work?
How do I participate in Upromise Round Up?
Is the cash back from Upromise Round Up different than the other cash back that I earn on my Upromise Mastercard?
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 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.
Cardmembers will earn 1.25% cash back for every for every $1 spent on purchases, less credits, returns and adjustments ("Net Purchases").
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.
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.
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.
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.
© 2019 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.