Upromise is a simple way to boost your college savings. As a Upromise member, you can earn cash back for college on the things you already do, like shop online, book travel, eat at restaurants, and more. Then you can add your cash back earnings to a college savings plan like an eligible 529 plan or GoalSaver Account. You can also request a check to contribute to a Coverdell ESA or UGMA/UTMA. Your money can earn interest or be invested for growth potential. Make regular contributions to your college savings plan and you’ll be on your way to meeting your goal.

Earn up to 5% cash back for college on eligible purchases

Online shopping

Up to 5% cash back on eligible purchases through Upromise.com


2.5% cash back on your total eligible bill from participating Upromise restaurants

Online travel

Up to 5% cash back on eligible purchases from participating travel partners through Upromise.com

Earn even more cash back

Boost your Upromise earnings with up to 10% cash back for college when you use the Upromise Mastercard® on eligible purchases through Upromise.com and on your eligible bill at participating Upromise restaurants.

You can also earn 2% cash back on eligible in-store department store and movie theater purchases, and 1% cash back on all other purchases with the Upromise Mastercard.

Learn more about Upromise Mastercard

Use your earnings to save or pay for college

Add to a college savings plan

Direct your cash back earnings into an eligible 529 plan or GoalSaver Account.

Help pay down a student loan

Already paid for college? Use your earnings to pay back an eligible student loan.

Request a check

Receive a check in the mail and use your cash back earnings for other college expenses.

Upromise by the numbers

million have joined

dollars for college earned

online shopping partners

restaurant locations

Starting on February 2, 2017, Upromise members will earn 2.5% cash back at participating Upromise restaurants using any registered card other than the Upromise Mastercard.

Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new cardmembers only. For information about rates, fees, other costs, the reward program rules (including cash back accrual rate, cash back awards, etc.) and benefits associated with the use of the credit card program, please see the Terms and Conditions. By applying for the card, you will be identifying yourself to Barclaycard as a Upromise member and/or visitor to Upromise.com who is eligible for this offer.

 Restrictions apply. Please read the Upromise Credit Card Rewards Program Rules and Terms and Conditions for important information about rates, fees, benefits, restrictions, limitations, and other costs before applying.

To earn and receive Cash Back earnings, you must be a Upromise member, you must pay for purchases with your Upromise Mastercard and your Upromise Mastercard must be registered to your Upromise account. To become a member and register your credit card, visit Upromise.com/activate.

There is no limit to the total amount of Cash Back you can earn as long as your Upromise Credit Card Account is open, active and in good standing.

5% Online Shopping and Travel Cash Back consists of 1% Base Cash Back and 4% bonus cash back on eligible online Net Purchases made through participating retailers and travel partners on Upromise.com. The 5% Cash Back that you can earn on participating online retail and travel purchases using your Upromise Mastercard is in addition to the online retailers' and travel partners’ up to 5% Cash Back earned through your Upromise account. Exclusions and limitations apply. Go to View All Retailers for a list of cash back amounts by partner. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice.

5% Dining Cash Back consists of 1% Base Cash Back and 4% bonus cash back on Net Purchases at participating Upromise Restaurants. The 5% that you can earn at participating Upromise Restaurants using your Upromise Mastercard is in addition to the 5% Cash Back offered by the Upromise Restaurants Program administered by Rewards Network Establishment Services, Inc. and can be earned when you make a qualified dine at a participating restaurant in the Upromise Restaurants Program using the Upromise Mastercard. For more information on the Upromise Restaurants Program Cash Back requirements including individual restaurant restrictions or a list of participating Upromise Restaurants, visit Upromise.com/dining.

2% In-Store Department Store and Movie Theater Cash Back consists of 2% cash back on every $1 of Net Purchases made in-store at department stores and movie theater merchants that are classified by Mastercard as Department Stores and Motion Picture Theaters. Examples of department stores are Macy’s, JCPenney, Kohl’s, Sears, Nordstrom, Boscov’s, Bloomingdale’s, Belk, Dillard’s, etc. Purchases at grocery stores, supermarkets, supercenters and warehouse clubs are not considered department store purchases and will not qualify for 2% cash back. However, these purchases will earn 1% cash back. Barclaycard and Upromise do not determine and are not responsible for whether merchants correctly identify themselves and bill transactions as being made at locations in a particular category.

1% Cash Back is awarded on all other Net Purchases made with a registered Upromise Mastercard by the cardmember or any authorized users. Net Purchases are consumer retail purchase transactions made with your Upromise Mastercard less any credits, returns and adjustments.

Barclaycard and Upromise do not determine and are not responsible for whether merchants correctly identify themselves and bill transactions as being made at locations in a particular category.

The Upromise MasterCard is issued by Barclays Bank Delaware (Barclaycard) pursuant to a license by MasterCard International Incorporated. MasterCard and World MasterCard are registered trademarks of MasterCard International Incorporated.