Upromise

Earn a one-time $100 cash back bonus when you spend $500 on purchases in your first 90 days. Rewards are deposited into your Upromise account. You must meet the spending threshold within the 90-day window from account opening to qualify.

Earn 1.529% cash back on every purchase when your Upromise account is linked to an eligible 529 College Savings Plan. The boosted rate applies automatically once your accounts are connected. You must maintain the 529 plan link to keep earning at this rate.

Round Up automatically rounds each purchase up to the nearest dollar, converting the difference into additional cash back rewards. You set a personal limit anywhere from $1 to $500 to control how much gets rounded up. The rounded-up amount counts as a purchase and is converted to cash back in your Upromise account.

Earn 1.25% cash back on all purchases with no category restrictions. Link your Upromise account to a qualifying 529 College Savings Plan and that rate rises to 1.529% on every purchase, as long as the accounts stay connected.

Buy gift cards through MyGiftCardsPlus (powered by Upromise) and earn cash back rewards on those purchases, up to $250 per calendar year. The cap refreshes each January 1, giving you a fresh $250 limit every year.

Get 0% APR on balance transfers for the first 15 billing cycles, giving you time to pay down transferred debt interest-free. Transfers must be made within 45 days of opening your account to qualify. After the intro period, a variable APR of 18.49%–29.49% applies, and a balance transfer fee is charged.

This card charges no foreign currency conversion fees on purchases made outside the U.S. The benefit applies automatically to every international transaction — no enrollment or activation required.