UPromise World Elite Mastercard

Barclays Mastercard World Elite Pending

Back Apply Now

12

Benefits

2

Reward Categories

1.5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: upromise-mastercard

Issuer: Barclays

Card Name: UPromise World Elite Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 08:16

Last Scraped: Jan 24, 2026 05:50

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
All Eligible Purchases (with UPromise link & deposit) 1.5x Cash Back Earn 1.5% cash back on eligible purchases when you link your UPromise Program account and have your cash back deposited into a UPromise Program account. No Cap
All Purchases 1.25x Cash Back Earn 1.25% cash back on every purchase No Cap
Rewards Summary
PENDING

Reward Type: Cash Back (College Savings)

Base Rate: 1.25x

Bonus Rate: 2.5x

Categories: 2.5x Grocery Stores, 2.5x Drugstores, 2.5x Restaurants

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Cash back does not expire as long as account is active and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 0x

Transfer Partners: N/A

Redemption Penalties: None

Benefits & Protections (Detailed) 12 Total
PENDING
Account Management 3
Online Account Access
24/7 access

Manage your account 24/7 online, including viewing statements, making payments, and monitoring activity.

Paperless Statements
Go green

Opt for electronic statements to reduce paper waste and access them conveniently online.

Account Alerts
Customizable alerts

Stay informed about your account activity with customizable email or text alerts.

Financial Savings 1
No Annual Fee
No annual fee

There is no annual fee for this credit card, allowing you to save money on card ownership.

Financial Tools 1
Free FICO® Score Access
Free

Get complimentary access to your FICO® Score, helping you monitor your credit health.

Payment Convenience 1
Digital Wallets
Compatible with Apple Pay®, Google Pay™, Samsung Pay

Use your card with popular digital wallet services like Apple Pay®, Google Pay™, and Samsung Pay for secure and convenient payments.

Rewards 2
5% Cash Back on Select Categories (Up to $6,000 Annually)
5% cash back on up to $6,000 spent annually

Earn 5% cash back on eligible purchases at U.S. supermarkets and drugstores, and on eligible utilities and home internet, TV & phone services for the first $6,000 spent in combined purchases each calendar year. After reaching the $6,000 limit, these purchases will earn 1% cash back.

1% Cash Back on All Other Purchases
1% cash back

Earn 1% cash back on all other purchases outside of the 5% cash back categories.

Security 3
Fraud Liability Protection
Not responsible for unauthorized charges

You are not responsible for unauthorized charges made on your account, providing peace of mind against fraudulent activity.

Zero Fraud Liability
Not responsible for unauthorized charges

You are not responsible for unauthorized charges made on your account, providing peace of mind against fraudulent activity.

Chip Card Technology
Enhanced security

Your card features EMV chip technology for enhanced security when making purchases at chip-enabled terminals.

Travel Assistance 1
Travel & Emergency Assistance Services
Assistance for medical, legal, travel emergencies

Get help with medical, legal, and travel-related emergencies when you're away from home.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $500 in 90 days

Timing: Bonus will be applied to your UPromise account within 6-8 weeks after you meet the spending requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
TransUnion, Experian
Issuer Rules & Policies
PENDING

Rules: Eligibility for the upromise-mastercard in 2026 will require applicants to have good to excellent credit (typically a FICO score of 700+), a stable income, and a low debt-to-income ratio. Applicants should also have no recent bankruptcies or defaults on their credit report. A key application rule from Barclays is the '6/24 Rule': applicants will generally be denied if they have opened more than 6 new credit card accounts across *all issuers* in the past 24 months. For the bonus rule, new cardmembers are typically eligible to earn a cash back bonus (e.g., $200) after spending a specified amount (e.g., $1,000) within the first 3 months of account opening. This bonus is generally available only once per lifetime for this specific product.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Barclays cards, rapid succession of applications (even if approved by other issuers), suspicious spending patterns, inactivity on the card, failure to pay, or excessive credit limit increase requests.

Cliff Effect Rules: Barclays generally allows one sign-up bonus per specific product per lifetime. There are no complex 'card family' rules that restrict eligibility for other Barclays products based on holding the upromise-mastercard, beyond the general 6/24 application rule.

Special Events: N/A

Holiday Promos: N/A

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Simple, flat-rate cash back on all purchases (1.25%), no annual fee, and convenient redemption options including direct deposit to UPromise accounts for college savings.

Top Negative:
Lower cash back rate compared to some competing flat-rate cards (many offer 1.5% or 2%), lacks bonus categories, and Barclays customer service can be inconsistent.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Chase Freedom Unlimited
  • Capital One Quicksilver Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $225.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023

Last Updated: Oct 01, 2023 00:00