Upromise® Mastercard®
Basic Information
Program ID: upromise-mastercard
Issuer: Barclays
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/07/2026 08:16
Last Scraped: 01/15/2026 06:13
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus typically posts to your account within 6-8 weeks after the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.25%
Bonus Reward Rate: 1.50%
Bonus Categories: 1.5x on eligible college and university purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: Eligibility for the UPromise Mastercard in 2026 includes: Applicants must be at least 18 years old, a U.S. resident, and possess a good to excellent credit score (typically 700+ FICO). Barclays' 6/24 Rule applies: Applicants must not have opened more than 6 new credit card accounts across all issuers in the past 24 months. The typical bonus offer is to earn a $200 cash bonus after spending $1,000 on purchases in the first 90 days. This bonus is generally restricted to new cardmembers who have not received a bonus for the UPromise Mastercard in the past 24 months.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of bills via third-party services with high fees), high cumulative credit limit across Barclays cards relative to reported income, frequent or large balance transfers inconsistent with spending patterns, repeated late payments or returned payments, rapid application for multiple credit cards from various issuers (even if not violating 6/24 with Barclays, it can signal high credit seeking behavior), suspicious activity or fraud alerts.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Good flat cash back rate, no annual fee, easy way to save for college, Mastercard benefits.
Top Negative Feedback:
Rewards can be less competitive than other cards, customer service issues, preference for direct cash back over UPromise savings.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Fidelity Rewards Visa Signature Card
- Chase Freedom Unlimited
Card Value Score: 72.0 / 100
Est. Annual Rewards: $225.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 108 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: February 2024
Last Updated: 02/01/2024 00:00