Upromise World Mastercard

in Personal Credit Cards

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Upromise World Mastercard


in Personal Credit Cards

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Who is this credit card designed for?

Upromise World Mastercard is a credit card issued by Barclaycard, which is based in Newark, DE. 

Upromise World Mastercard is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Note that this card is designed for students. This means students can apply for the card even though they don't have much of a credit history.

What are the relevant APRs?

Upromise World Mastercard has a variable purchase APR that ranges from 16.99% up to 26.99%.

The card has a variable balance transfer APR that ranges from 16.99% up to 26.99%.

It also has a variable cash advance APR of 27.42%.

Is an introductory APR offer available?

Yes, Upromise World Mastercard offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

Upromise World Mastercard does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Upromise World Mastercard:

  • There is no annual fee.
  • A late payment penalty of $37.
  • A returned payment fee of $37.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Upromise World Mastercard offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.

Is a signup bonus offered?

Yes, Upromise World Mastercard offers card users a signup bonus worth up to $50.

Is an annual loyalty bonus offered?

Upromise World Mastercard doesn't offer a cash loyalty bonus.

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 23
Annual Fee $0
No Annual Fee  
Late Payment Penalty $37
Returned Payment Fee $37
Minimum Interest Charge $0.50
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Cash Advance Fee ($) $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Customer Type Personal
Fraud Liability  
Free FICO Score  
Bonus Rewards 15% when you link to an eligible 529 College Savings Plan.
Every Purchase 1.25%
Signup Bonus $50
Purchase APR (Variable APR) 16.99% - 26.99%
Cash Advance APR (Variable APR) 27.42%
Balance Transfer APR (Variable APR) 16.99% - 26.99%
Introductory Rate 0%
Intro APR period (months) 15



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