The UPromise World Mastercard is not usually top of mind for me, but if you are on the hunt for cash back, Barclays has increased the intro offer to $300 back after $1,000 in purchases in the first 90 days. The email we received billed this as a “limited-time offer”, though the fine print notes that the offer is valid through 3/17/26, so it is set to stick around for a while.
The Offer & Key Card Details
| Card Offer and Details |
|---|
 ⓘ $282 1st Yr Value EstimateClick to learn about first year value estimates $300 Cash back Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler $300 cash back after $1000 spend in the first 90 days (Offer Expires 3/17/2026)No Annual Fee Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: Expired 10/31/22: $150 after $500 in spend FM Mini Review: This card could be decent for an easy cash back bonus, but there are much more rewarding options for ongoing everyday spend. Earning rate: Earn 1.529% back on your purchases when your Upromise Program account is linked to an eligible College Savings Plan or 1.25% if it is not ✦ Up to $250 cashback rewards per calendar year on gift card purchases at MyGiftCardsPlus Base: 1.25% Card Info: Mastercard issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: When your Upromise Program account is directly linked to an eligible 529 College Savings plan, you'll receive a 1.529% cash back (otherwise, you get 1.25% back) |
Quick Thoughts
The UPromise card doesn’t offer an industry-leading return on spend, though they do aim a smidge higher than some no-annual-fee cards on the market with the 1.529% back when your card is linked to a college savings account.
That said, the $300 bonus here is pretty low-hanging fruit for anyone primarily motivated by cash back. Furthermore, the card carries a monthly benefit for gift cards purchased from MyGiftCardsPlus.com. You can get up to $20 per month back when you spend $150+ (and $25 in November and December) for a total of up to $250 back per year, though it is a monthly coupon benefit. More info can be found here.
Overall, this isn’t a card that interests me as I prefer earning transferable points, but for someone looking to maximize all the cash back bonuses, it would make sense to get this card while the offer is elevated if it is of interest.
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