Upromise World MasterCard®

Image of the Upromise World MasterCard®
  • 5% cash back

    on eligible Upromise.com shopping, travel and participating restaurant purchases2

  • 2% cash back

    on eligible in-store department store and movie theater purchases2

  • $50 cash back bonus

    after first use2

  • $0

    annual fee1


  • Earn 5% cash back

    on eligible online shopping and travel purchases through Upromise.com, and 5% on your eligible bill at participating Upromise restaurants2
  • Earn 2% cash back

    on eligible in-store department store and movie theater purchases2
  • Earn 1% cash back 

    on all other purchases everywhere MasterCard is accepted2
  • $50 cash back bonus

    after your first use in the first 90 days2
  • No limit to total cash back

    you can earn on eligible purchases2
  • No rotating reward categories

    skip the hassle of having to sign up for rewards


  • Grow with GoalSaver

    Easily transfer your cash back to a Upromise GoalSaver account. It gives you the tools to set and achieve your savings goals
  • Contribute to an eligible 529 College Savings plan

    and feel confident about the future
  • Contribute to an eligible student loan

    use your rewards to help pay down your loan faster
  • Redeem for checks of $10 or more

    each month through Upromise
  • Intro APR for 15 months

    of 0% on balance transfers made within 45 days of account opening. After that a variable APR will apply, 14.49%, 20.49% or 23.49% based on your creditworthiness1
  • Complimentary online FICO® credit score

  • Enjoy World MasterCard® benefits

    including zero liability protection on unauthorized purchases, 24-hour MasterCard global service, price protection, identity theft resolution services and more
  • Chip card technology

    designed to make paying for your purchases more secure at chip card terminals in the US and abroad

Interest Rates and Charges Summary

Fee Summary

See terms and conditions for a complete listing of rates and fees

Important Information

  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.

  2. About Your Introductory APR: 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 new and outstanding 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.

  3. 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.

Reward Summary

    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 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.

    To earn the one-time $50 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.

    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

    Please note: cash back savings held in your Upromise Rewards Account are not FDIC insured, carry no bank guarantee and may lose value. Once rewards are swept into your Upromise GoalSaver Account, FDIC insurance is covered through Sallie Mae Bank up the applicable limits. See FDIC website for insurance limits.

    Subject to $10 minimum transfer amount.

    The Upromise World MasterCard® is issued by Barclaycard pursuant to a license by MasterCard International Incorporated. MasterCard and World MasterCard are registered trademarks of MasterCard International Incorporated.