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With the Upromise MasterCard, you’ll earn cash back for college on every purchase.

Become a Upromise member, shop our hundreds of partners, and you can earn cash back both for being a Upromise member and for paying with your Upromise MasterCard.

How It Works

Here’s how the Upromise MasterCard can boost your cash back earnings for college.2

Online Shopping

Online Shopping

on eligible purchases through Upromise.com



on your total eligible bill from participating Upromise restaurants

Online Travel

Online Travel

on eligible purchases from participating travel partners through Upromise.com


Department Stores

on eligible in-store department store purchases


Movie Theaters

on eligible movie theater purchases


All Other

Remember, this is on top of what you’ll earn from our partners as a Upromise member. Shop our online partners and pay with your Upromise MasterCard and you can earn up to 5% cash back for being a Upromise member, plus 5% for using the Upromise MasterCard on eligible online purchases—that’s up to 10% cash back for college. It adds up fast!


Start Earning Cash Back and Boost Your College Savings Today

  Apply Now

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.


Key Card Features

Upromise MasterCard
  • $25 Cash Back Bonus after first use of the card within 90 days of account opening3
  • No limit to the total cash back you can earn on eligible purchases
  • No rotating reward categories
  • $0 fraud liability on unauthorized transactions
  • Complimentary FICO Credit Score4
  • Chip technology designed to make paying for your purchases more secure at chip-card terminals in the U.S. and abroad

Interest Rates At-A-Glance1

  • APR for Purchases: 14.49%, 20.49% or 23.49% variable based on your creditworthiness
  • APR for Balance Transfers: 0% introductory APR for 15 billing cycles for each Balance Transfer made within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 14.49%, 20.49% or 23.49% depending on your creditworthiness
  • APR for Cash Advances: 25.74% variable


When It Comes to Saving for College or Paying for It, Every Bit Helps.

Join Upromise Now

Become a Member  

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

- Patty M., Upromise member

1 Offer subject to credit approval. 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. This offer is available to new Cardmembers only. For information about rates, fees, other costs, the reward program rules (including cash back accrual rate, cash back 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.

There is no limit to the total amount of Cash Back you can earn as long as your Upromise Credit Card Account is open, active and in good standing.

5% Online Shopping and Travel Cash Back consists of 1% Base Cash Back and 4% bonus cash back on eligible online Net Purchases made through participating retailers and travel partners on Upromise.com. The 5% Cash Back that you can earn on participating online retail and travel purchases using your Upromise MasterCard is in addition to the online retailers' and travel partners’ up to 5% Cash Back earned through your Upromise account. Exclusions and limitations apply. Go to View All Retailers for a list of cash back amounts by partner. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice.

5% Dining Cash Back consists of 1% Base Cash Back and 4% bonus cash back on Net Purchases at participating Upromise Restaurants. For more information on the Upromise Restaurants Program Cash Back requirements including individual restaurant restrictions or a list of participating Upromise Restaurants, visit Upromise.com/dining.

2% In-Store Department Store and Movie Theater Cash Back consists of 2% Cash Back on every $1 of Net Purchases made in-store at department stores and movie theater merchants that are classified by MasterCard as Department Stores and Motion Picture Theaters. Examples of department stores are Macy’s, JCPenney, Kohl’s, Sears, Nordstrom, Boscov’s, Bloomingdale’s, Belk, Dillard’s, etc. Purchases at grocery stores, supermarkets, supercenters and warehouse clubs are not considered department store purchases and will not qualify for 2% cash back. However, these purchases will earn 1% cash back. Barclaycard and Upromise do not determine and are not responsible for whether merchants correctly identify themselves and bill transactions as being made at locations in a particular category.

1% Cash Back is awarded on all other 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 $25 cash back bonus, you must use your new Upromise MasterCard to make a purchase, cash advance transaction or transfer a balance 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.

4 FICO® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclaycard offers FICO® Score access at its sole discretion. Not all accounts will have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO® Score, your account with us must be open, active, and in good standing.

Important Balance Transfer Information: The 0% introductory APR on Balance transfers will apply for the first 15 billing cycles that immediately follow each Balance Transfer made within 45 days of account opening. At the end of the introductory period the APR for all balance transfer balances will be either 14.49%, 20.49%, or 23.49%, which will be determined at account opening based on your creditworthiness. This APR will vary with the market based on the Prime Rate. There is a fee for Balance Transfers. This introductory APR offer does not apply to Purchase or Cash Advance transactions. See the Terms and Conditions for more information about how subject to applicable law, your APRs may increase if you pay late.

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