APPLY NOW
  • $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 Upromise.com
  • 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:
$0
Purchase Intro APR:
N/A
Purchase Regular APR:
14.24% - 23.24%*
Variable
Balance Transfer Intro APR:
0%
(15 Months) within 45 days of account opening
Balance Transfer Regular APR:
14.24% - 23.24%*
Variable

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* 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

Rewards

Sign-Up Bonus

Earn $100

after your first purchase

All Purchases

1% cash back per dollar

No cap on spending

Entertainment

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
bpround
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
Kennabug03
U promise
by Kennabug03
Helpful to 10 out of 12

Applied for this card and was declined waited until i received my denial letter then I called customer service and asked for  review and was approved with a $1000 CL! I was very surprised, because other credit cards I applied for would not recon my application :( I haven't received the card yet but  I hoping to have good situations with this card....oh and my CS is 597 with high number inquires and 3 medical collections 


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 Upromise.com, 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 March 2016 through August 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.

My Saved Cards
Title
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.