The Ultimate Guide to Credit Cards
Tuesday, May 24, 2022

Upromise® Mastercard®

► 2022 Review, Application & Rates

"You'll get the most out of the Upromise® Mastercard® by linking an eligible 529 college savings program to the account, which will effectively boost your cash back savings rate by 15%."
- Toby Sembower,
Advertiser Disclosure
Upromise® Mastercard® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

4.2

OVERALL RATING

  • Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days
  • Earn 1.25% Cash Back Rewards on every purchase if not linked to an eligible College Savings Plan
  • Earn 1.529% Cash Back Rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan
  • Upromise Round Up lets you round up your purchases to the nearest dollar, based on the limit you set (from $1 to $500). The total Round Up Amount is considered a purchase and converted to cash back rewards.
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening (balance transfer fee applies), then a variable APR applies
  • Free online access to your FICO® Score
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 months
15.24%, 20.24%, or 25.24%, based on creditworthiness
$0
Good

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #13 out of 18)
★★★★★
4.5
Best Overall
★★★★
4.2
Cash Back
(Ranked #37 out of 47)
★★★★
4.4
Good Credit
(Ranked #59 out of 63)
★★★★
4.2

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.