Last Updated: 05/14/2026
SuperMoney User Recommendation Score +20
Mostly recommended5 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
17.99% - 27.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.99% - 27.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Upromise World Mastercard Review
This 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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- Signup bonus. Offers a signup bonus of up to $100.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Upromise World Mastercard
| The Good | The Bad |
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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.
| Description |
Does Upromise World Mastercard have a signup bonus?
Yes, it offers card users a signup bonus worth up to $100 .
Does Upromise World Mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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% .
Does Upromise World Mastercard have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 17.99% - 27.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Upromise World Mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Upromise World Mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.How do people rate the customer service and user experience of Upromise World Mastercard?
Overall, Upromise World Mastercard is mostly recommended based on community reviews that rate customer service and user experience.
Does Upromise World Mastercard report your account activity to credit bureaus?
Yes, Upromise World Mastercard reports to the following credit bureaus:
- 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 build your credit.
Does Barclays Bank perform a hard credit pull?
Yes, Upromise World Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Upromise World Mastercard
- Visit the website of Upromise World Mastercard.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Disclaimer popup with additional information
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Disclaimer popup with additional information
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850
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Rating not yet determined
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28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
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19.74% - 28.74%
Disclaimer popup with additional information
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Disclaimer popup with additional information
Credit Score Range
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18.74% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 27.99%
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +20, or 3.4 on a 5-point rating scale.
+20
-1000+100
No one recommends
Everyone recommends
Upromise World Mastercard Community Reviews
Would you recommend Upromise World Mastercard to your friends?
U
Anonymous
May 22, 2015
May or may not recommend
If you are a uPromise member, this card makes perfect sense. You get even more cash back when you use the card for everyday purchases. So far, I've gotten a couple of thousand dollars back by being a uPromise member. It's great. And you get a free credit score!
U
Anonymous
May 22, 2015
May or may not recommend
As a Upromise member since about when they started, I have been getting money put into my account for everyday purchases, so I know that the whole system works. I decided to get a credit card from them and I am happy that I did. Now I am earning even more cash back, which is helping to defray college costs for my daughter.
U
Anonymous
May 2, 2015
May or may not recommend
Pretty nice card. I signed up for Upromise a few months ago, because I got a Sallie Mae loan. I saw the signup for this card and how having it can defray some of the interest rate on my student loan, so I figured, why not? So far, so good with this card. I like the rewards, which really add up, and the no annual fee.
U
Anonymous
Apr 25, 2015
May or may not recommend
I've been a Upromise member for a long time and had been ignoring this card but finally decided to sign up for it. Wow, it has really allowed me to bolster my Upromise account and I'm getting 15% cash on a wide variety of items that I would get anyway. Wish I'd done this sooner.
DebtRoundUp
Jan 20, 2014
May or may not recommend
I have this card to help fund my son's 529 account. When you pair it up with Upromise.com, it can be very good. You can earn over 15% cash on purchases online. There are not sign up bonuses or are very little.
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