Upromise World Mastercard

Upromise World Mastercard Review

This is a cashback card issued by Barclays Bank. If you're wondering whether Upromise World Mastercard is the right card for you, read on.

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 up to $100 if you spend $500 within 3 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 27.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Upromise World Mastercard

The Good	The Bad
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.	Higher than average purchase APRs. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Upromise World Mastercard FAQ

Does Upromise World Mastercard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash.

Upromise World Mastercard Rewards

Minimum rewards rate	1.25x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $100
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the Upromise World Mastercard benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Upromise World Mastercard has a variable purchase APR that ranges from 17.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 27.99%. It also has a variable cash advance APR of 28.24% .

What are the fees for Upromise World Mastercard?

The following fees apply:

Upromise World Mastercard Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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

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