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The Upromise MasterCard®

Earn cash back for college on everything you buy

By clicking Apply Now, you will be directed to an online application website that is operated by Barclaycard and is governed by the Barclaycard Privacy Policy.


Not a member? You won’t earn cash back with the Upromise MasterCard. Join now.

Our Most Successful Members Say…

Get the Upromise MasterCard, a cash back credit card. You’ll earn cash back for college every time you use it, whether your purchase is with a Upromise partner or not.1

When you do shop our partners and pay with your Upromise MasterCard, you can earn cash back both for being a Upromise member and for using the Upromise MasterCard.

Upromise MasterCard Cash Back Earnings

Here’s how the Upromise MasterCard can boost your cash back earnings for college.


Online shopping computer

5% Upromise MasterCard cash back on eligible purchases through Upromise online shopping2



Restaurants silverware

4% Upromise MasterCard cash back on your total eligible restaurant bill from participating restaurant locations2



Movie theaters tickets

2% Upromise MasterCard cash back at eligible movie theaters2



Everything else shopping bags

1% Upromise MasterCard cash back on all other purchases2


Key Card Features

  • Cash back for college on all your Upromise MasterCard purchases
  • No annual fee1
  • No cash back limits
  • One-time cash back bonus when you make your first Upromise MasterCard purchase within 90 days of opening your account3

Now You Know the Secret of Our Most Successful Members.

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We use our Upromise credit card for everything! Amazing how fast the money grows.

- Patty M., Upromise member

1 Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the World MasterCard credit card and its benefits. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card which has fewer benefits. Please review the materials provided with the Cardmember Agreement you will receive after account opening for more information about the benefits that will apply if you are not approved for the World MasterCard credit card. This offer is available to new Cardmembers only. For information about rates, fees, other costs, the reward program rules (including rewards accrual rate, awards, etc.) and benefits associated with the use of the credit card program, please see the Terms and Conditions. By applying for the card, you will be identifying yourself to Barclaycard as a Upromise member and/or visitor to upromise.com who is eligible for this offer.

2 Restrictions apply. Please read the Upromise Credit Card Rewards Program Rules and Terms and Conditions for important information about rates, fees, benefits, restrictions, limitations and other costs before applying. To earn and receive Cash Back earnings, you must be a Upromise member, you must pay for purchases with your Upromise MasterCard and your Upromise MasterCard must be registered to your Upromise account. To become a member and register your credit card, visit Upromise.com/activate. 5% Online Shopping Cash Back consists of 1% Base Cash Back and 4% bonus cash back on eligible online Net Purchases made through participating retailers on Upromise.com. The 5% Cash Back that you can earn on participating online retail purchases using your Upromise MasterCard is in addition to the online retailers' 5% or more Cash Back. Exclusions and limitations to the 5% cash back apply. Go to View All Retailers for a list of cash back amounts by partner. Participant companies, contribution levels and terms and conditions are subject to change at any time without notice. 4% Dining Cash Back consists of 1% Base Cash Back and 3% bonus dining cash back on Net Purchases at participating Upromise Dining restaurants. For more information on the Upromise Dining Program Cash Back requirements including individual restaurant restrictions or a list of participating Upromise Dining restaurants, visit Upromise.com/dining. 2% Movie Theater Cash Back consists of the 1% Base Cash Back and 1% bonus cash back on every $1 of Net Purchases made at movie theater merchants that are classified in the Visa/MasterCard system in the Motion Picture Theaters category. 1% Base Cash Back is awarded on Net Purchases made with a registered Upromise MasterCard by the cardmember or any authorized users. Net Purchases are consumer retail purchase transactions made with your Upromise MasterCard less any credits, returns and adjustments.

3 To earn the one-time Cash Back bonus, you must use your new Upromise Credit Card to make a purchase or cash advance transaction within 90 days of opening your Upromise Credit Card account. This is a limited time offer and may be cancelled at any time without notice.

The Upromise MasterCard is issued by Barclaycard pursuant to a license by MasterCard International Incorporated. MasterCard and World MasterCard are registered trademarks of MasterCard International Incorporated. © 2015 Barclays Bank Delaware (Barclaycard), Member FDIC.