Upromise® World Mastercard®
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Saving for college is a challenge, but the Upromise® World Mastercard® can help. There is a small welcome offer, and if you link your card to an eligible college savings account, you can earn 1.529% cash back on every purchase. If you don’t link a college savings account, you’ll earn 1.25%. Neither rate is spectacular; most people would be better off with a cash back credit card that offers higher rates and then transferring the money into a college savings account. If you forget to do this or find it difficult, this card might work for you. We dive into the details and your approval odds in this Upromise review.
Our Rating
2.5/5.0
Welcome Offer
Earn $100 bonus cash back rewards
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1.25% to 1.529% cash back
0% Intro on Balance Transfers
15 months
Welcome Offer
Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days.
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% of each transaction in U.S. dollars |
| Regular APR | 20.24% to 29.99% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 20.24% to 29.99%(V) APR after that. |
| Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater. |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- High APR
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0