- 0% Introductory APR for 15 months on balance transfers made within 45 days of account opening
- Earn $100 cash back after spending $500 on purchases in the first 90 days
- Earn 1.25% cash back on every purchase
- Get 15% bonus on your total cash back when you link your Upromise Program account to an eligible 529 College Savings Plan
- Earn more with Upromise Round Up, when you round up your purchases to the nearest dollar.
- No foreign transaction fees on international purchases
- Free online access to your FICO® Credit Score
- Get free 2-day shipping and free return shipping on eligible purchases with your complimentary ShopRunner membership
- No annual fee
4.5 / 5.0 (16 votes)
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Information - Rates - Fees

Intro APR:
0%*
Applied Towards:
Balance Transfer
Intro Period:
15 months*
APR:
As low as 14.99%*
APR Type:
variable
Annual Fee:
$0*
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Co-Branded
Intro Bonus
Low Interest Rate
No Foreign Transaction Fee
Unsecured
Reward Card
Credit Needed:
Good*
Grace Period:
23 days*
Late Payment Fee:
Up to $39*
Over Limit Fee:
$0.00

Balance Transfers

Balance Transfer:
Yes
Transfer Fee (%):
3.00%
Minimum Fee:
$5.00

Cash Advances

APR on Cash Advances (%):
25.24%
Cash Advance Fee (%):
5.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
- Minimum Interest Charge: $0.50
- Returned Payment Fee: Up to $39
- Foreign Transaction: 0% of each transaction in U.S. dollars.

Review by

The Upromise World Mastercard offers cardholders a number of opportunities. The first is the cash back rewards for just using the card. However, there are different levels of rewards based on where the card is used. It is possible for a cardholder to earn up to 10 percent cash back if they are a Upromise member and make a Upromise purchase online. Movie theaters, gas transactions, and restaurant purchases are just some of the types of transactions that can earn you cash back. You early 1 percent cash back on all other purchases.

You do have the opportunity to earn with no limits and there is an introductory APR on purchases and balance transfers. While you cannot earn cash back on balance transfers, you can save a lot of money on interest by transferring your balance from a high interest card to the lower interest card. You can transfer the balances of up to three cards on the credit card application.

Once you do earn cash back, you have four redemption options. The options are to redeem for checks of at least $10 every quarter, make payments to a loan that is already serviced by Sallie Mae, make a deposit to a Sallie Mae High-Yield Savings Account, or contribute to a Upromise 529 College Savings Plan. In other words, you are able to effectively plan for the future.

Features

Most attractive:
- 529 College Savings plan Contribution
- No annual fee
- Long term intro rates
- Free rewards program
- Bonus cash back
Least attractive:
- Not all applicants receive lowest advertised APR

Rewards & Benefits

Reward Types:
Cash Back Rewards
College Rewards
Other Rewards
Reward Unit:
Cash
Rewards:
- $100 Cash Back Bonus
- Earn 1.25% cash back on every purchase
- Receive a 15% cash back bonus
- Earn more with Upromise Round Up
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
- $0 Fraud Liability protection
- ShopRunner membership
*See Terms and Conditions for other benefits
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for Upromise® Mastercard® is believed to be accurate at the time of evaluation (Mar 20, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.