The Ultimate Guide to Credit Cards
Monday, May 29, 2023

Upromise® Mastercard® Review

"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





  • Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days
  • Earn 1.529% Cash Back Rewards on your purchases when your account is linked to an eligible College Savings Plan
  • Earn 1.25% Cash Back Rewards on every purchase if not 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
0% for 15 months
19.49%, 24.49% or 29.49%, based on creditworthiness

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #19 out of 23)
Best Overall
(Ranked #96 out of 152)
Cash Back
(Ranked #40 out of 53)
Good Credit
(Ranked #52 out of 59)

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Alternatives to Upromise® Mastercard®

Be sure to visit the official website for Upromise® Mastercard® to learn complete details about its features and terms. If you’re not quite sure if Upromise® Mastercard® is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Upromise® Mastercard® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.