Upromise World Mastercard Review

Upromise World Mastercard is a cashback credit card issued by Barclays Bank. If you're wondering whether Upromise World Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of $100 if you spend $500 within 3 months.
• Competitive APRs. Upromise World Mastercard has a variable purchase APR that ranges from 14.99% up to 24.99%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Upromise World Mastercard charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

Upromise World Mastercard Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. No foreign transaction fee. Cardholders can earn rewards on their purchases. Upromise World Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card rewards.

Is there a Upromise World Mastercard cash back or rewards program?

Upromise World Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Upromise World Mastercard you receive 1.25% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

Upromise World Mastercard Rewards

Rewards rate (all purchases)	1.25%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$100
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the Upromise World Mastercard benefits?

Upromise World Mastercard provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Upromise World Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Upromise World Mastercard has lower than average purchase APRs.

Upromise World Mastercard has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR of 25.24% .

What are the fees for Upromise World Mastercard?

The following fees apply to Upromise World Mastercard:

Upromise World Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

Does Upromise World Mastercard report your account activity to credit bureaus?

Upromise World Mastercard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Upromise World Mastercard

• Visit the Upromise World Mastercard website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.