Skip to content

Upromise® Mastercard®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

You can earn a peculiar rate of up to 1.529% cash back on all purchases with this card if you link an eligible College Savings Plan. You’ll also get a 0% introductory balance transfer offer for 15 months, then a rate of 14.99%, 19.99%, or 24.99% Variable.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 14.99%, 19.99%, or 24.99% Variable
Intro Balance Transfer APR: 0% for 15 months

Upromise® Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 1.529% cash back on all purchases when linked to an eligible College Savings Plan
  • 1.25% cash back on all purchases otherwise
Introductory Bonus
  • $100 cash back for spending $500 in the first 90 days

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 14.99%, 19.99%, or 24.99% Variable
Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% Variable
Cash Advance Fee 3%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
TRAVEL
  • No Foreign Transaction Fee
Upromise® Mastercard®

Highlights

  • 1.529% cash back on all purchases when linked to an eligible College Savings Plan
  • 1.25% cash back on all purchases otherwise
  • $100 cash back for spending $500 in the first 90 days
  • 0% intro balance transfer offer for 15 months, then 14.99%, 19.99%, or 24.99% Variable
  • Free online access to one of your FICO scores
  • No foreign transaction fee
  • No annual fee
ABOUT THE ISSUER

Barclays

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-928-8598 or

Try a different phone number

The Upromise Mastercard from Barclays is a simple cash back balance transfer card that offers a long 0% intro rate for transfers, and up to 1.529% cash back on all purchases.

You can access one of your FICO Credit Scores for free, and there’s also a Round Up feature that allows you to round up to the nearest dollar and earn cash back on that amount.

The Upromise card has no foreign transaction or annual fees.

Scroll to top