• $100 Cash Back Bonus after first use of card within 90 days of account opening
  • Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through
  • 2% cash back on eligible in-store and movie theater purchases
  • 1% cash back on all other purchases
  • No Limit to the total cash back you can earn on eligible purchases
  • No rotating reward categories
  • Complimentary FICO® Credit Score
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
14.24% - 23.24%*
Balance Transfer Intro APR:
(15 Months) within 45 days of account opening
Balance Transfer Regular APR:
14.24% - 23.24%*

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.49%
Cash Advance Fee 5%, Min; $10
Late Fee Up to $37
Penalty APR See Terms*
Balance Transfer Fee 3%, Min; $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $37


Sign-Up Bonus

Earn $100

after your first purchase

All Purchases

1% cash back per dollar

No cap on spending


2% cash back per dollar

2% cash back on eligible in-store and movie theater purchases

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
A Must-Have for On-line Shopping, etc.
by bpround
Helpful to 3 out of 3

This is short and sweet.  The product, used in conjunction with the Upromise toolbar, has rebated me well in to the 4 figures in cash.  While the dining network fluctautes, the toolbar medium is reliable and an ingenious and free way to save money.  I call it, "The new age of 'credit couponing.'"  Barclays also approved another product for a freind in 2014 with:  CH 7 BR, TU/EFX <700.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by IDamian
Helpful to 7 out of 7

Barkleys has 2 cards  Sallie Mae Rewards (which is GREAT!) BUT THEN THEY ALSO HAVE UPROMISE.  THIS IS ABOUT UPROMISE ONLY!!!

STay the hell away from UPROMISE. If I could give a negative score I would. I have never had so much trouble with a company of ANY kind.

I have a rating well over 800. I use 9 different cards. I am experienced being with a CC well over 35 years. 


CONS: 1) They first promised $9 reward AND 5% on ll items bought,

THEN without any 30 days warning or any warning of any kind they state the $9 is only for the first time. FIne  but they  keep the promise of 5% on all else you buy online. SO I continue to use it throughout 2016 another 6 times. NOW THEY TELL ME TOO BAD, it ended on 2015!!

2) They take 90 days to send out any rewards you have accumulated 

3) They take 90 days (3 FULL MONTHS) to determine WHAT YOUR REWARDS comes to in the first place: 3 MONTHS! Their sister card Sallie Mae Rewards does it INSTANTANEOUSLY AND ALLOW YOU TO SUBTRACT THE REWARD FROM THE CHARGE FOR THAT MONTH. UPROMISE WILL ONLY SEND A CHECK IN THE MaIL 60 days later. ( WHo in their right mind wants to keep track of rewards from 3 months prior then wait ANOTHER 60 days (5 months in total) before you see the first dime?

4) Their personnel hardly speak English. YOu can get by with that because at least they are patient when you ask to repeat but much of the information you request is something they put you on hold in order to check with their supervisors, as if they just joined 2 week prior

5)  The sheer hassle is something is a nightmare. IF you get the right person to talk to, they will inevitably put you on hold until you get the RIGHT ANSWER TO YOUR QUESTION. Just today, the Supervisor I spoke to never listened to my question but simply spoke about what he wanted to tell me having nothing to do with my question. A Supervisor!

Pros:   Uh, while it is no longer available they did originally give me the $9 and the 5% when I shopped at which is the ONLY reason I stuck it out this long!!     (Unfortunately Sallie Mae REwards card will not reward online grocery stores).. 


It is my intention to use the AMEX Everyday card which at least gives me 3% on and completely cut up my UPROMISE Card. However I found out this won't be enough. I have to do more than simply not use the card.

I usually allow my blood to stop boiling prior to writing a review. This is the once case I have channeled my inner frustrationdirectly to every single fact that they simply can not handle like a normal company.





Our Take

The Upromise MasterCard offers solid cash back opportunities.

What to Like

Cardholders earn 2% cash back at department stores and movie theaters and 1% on other purchases. And if you make purchases through, you can earn 10% total cash back after you pay off those purchases. There’s also no annual fee, and a $100 cash back bonus after you first use the card within 90 days of account opening.

Look Out For

There’s a 3% balance transfer fee and a 3% foreign transaction fee. Rewards aren’t tallied instantly, like with some other cards, but can take up to 12 weeks to post, and if you want plain cash back you’ll have to request a check.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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