Barclays
Upromise Benefits, Credits & Annual Fee
No annual fee
A no-annual-fee cash back card designed for families saving for college. It earns up to 1.529% back on all purchases when linked to an eligible 529 plan, and rewards can be directed straight into your college savings account.
- 1.5%Everything Else
- $250Gift Card
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Upromise at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Barclays
Upromise Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1.53x |
Bonus category rates for this card are still being added.
Who Should Get the Upromise?
The Upromise fits people who want one flat rate: 1.53x on every purchase. It has no annual fee, so it costs nothing to keep.
Is the Upromise Worth It?
The Upromise has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Upromise Welcome Bonus
$100 bonus cash back
Offer history
Lower than usual- Usual
- $300
- Highest seen
- $300
Gaps are offers with mixed rewards or no record.
Tracked since Oct 2024
Upromise Statement Credits and When They Reset
- Gift Card Cashback Rewards Cap$250 / yr
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.
Checked Sep 30, 2026
More Upromise Card Benefits
Bonus Earnings
- 1.529% Cash Back Rewards on College Savings Plan Linked Account1.53%
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.
Checked Jul 4, 2026 - 1.25% Cash Back on All Purchases1.25%
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.
Checked Oct 1, 2026
Fees & Miscellaneous
- No Foreign Transaction Fees
No foreign transaction fees on purchases made outside the U.S. or in a foreign currency.
Checked Sep 26, 2026 - Free FICO Credit Score Access
Check your FICO credit score online for free. Sign in to view your score and get email alerts when the card issuer learns that it has changed. Alerts depend on the issuer receiving updated score information, so they may not reflect every change immediately.
Checked Oct 7, 2026 - Interest-Free Upromise Round Up Balance
Pay no interest on the Upromise Round Up portion of your card balance, even when you carry a balance. Use Round Up to add rounded-up amounts to your account; those amounts are not subject to interest charges. Regular purchases can still accrue interest.
Checked Oct 7, 2026 - Low Intro Balance Transfer APR
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.
Checked Oct 7, 2026 - No Annual Fee$0 / yr
Pay a $0 annual fee to keep this card account open. You do not need to enroll or make purchases to avoid an annual fee. Other account charges, such as interest or applicable transaction fees, can still apply.
Checked Oct 7, 2026 - No Foreign Currency Conversion Fees
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.
Checked Jul 4, 2026
Upromise vs Other Barclays Cards
- AARP Essential RewardsNo annual fee
- AARP Travel RewardsNo annual fee
- Carnival WorldNo annual fee
- JetBlueNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Upromise FAQs
Is the Upromise Mastercard worth the annual fee?
Compare Upromise's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Upromise Mastercard?
Creddy's September 26, 2026 catalog lists Gift Card Cashback Rewards Cap for Upromise. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Barclays. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Upromise Mastercard?
Creddy's catalog lists a $0 annual fee for Upromise as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Barclays before applying or renewing.
Does the Upromise Mastercard come with a welcome bonus?
Welcome offers for Upromise can change and may depend on your application or account history. Check Barclays's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Upromise Mastercard?
Upromise may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Upromise Mastercard compare to other Barclays cards?
Compare Upromise with other Barclays cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.