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Upromise® by Sallie Mae®

Earn cash back when you:

  • Shop Online — 5% 1
    You can earn 5% or more cash back on eligible online purchases at 850+ popular retailers when you shop through Upromise at sites such as Groupon, Sears.com, Macys.com, Staples.com, and more.
  • Use Grocery Coupons
    Start at Upromise for money-saving eCoupons that can earn cash back.
  • Dine Out — Earn 5% cash back 2
    Earn 5% cash back at thousands of participating restaurants. Learn more.
  • Book Hotels & Travel — Up to 5% 3
    Score great travel deals (plus up to 5% cash back for college) when you book with Expedia, Travelocity, Budget and more through Upromise.

Frequently asked questions

Still have questions? Visit our FAQs page

Redeem your Upromise Earnings

There are so many options.
  • Open the Upromise GoalSaver Account
    Save for college and beyond and earn cash rewards along the way as you save for your goals.4
  • Invest in a 529 Savings Plan
    Start a tax-advantaged, flexible college fund.5
  • Help pay down an eligible Student Loan
    Earn a 2% cash back benefit with Interest or Fixed repayment options.6 
  • Request a Check
    Use your earnings any way you want and we'll send you a check ($10 minimum).

 

Join Free  

 
 

Have questions?

Upromise Customer Care is available Monday - Friday 9:00 AM to 9:00 PM Eastern Time
Customer Care: 800-Upromise800-Upromise


Browse Upromise FAQs


Manage your account

Log in to your Upromise account

 
 

1 Product and partner exclusions and limitations to the 5% cash back apply. Go to http://shop.upromise.com/mall/view-all-companies for a list of cash back amounts by partner. Please see the deal details associated with the offer for full offer terms and conditions.

2 The 5% cash back at Upromise Restaurants is 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 in accordance with the Upromise Restaurants Program Terms and Conditions and restaurant restrictions, if applicable. For more information, visit Upromise.com/dining.

3 Please note, you can earn up to 5% cash back when booking hotels on their own, but hotels booked as part of a vacation package are eligible to earn up to 4% cash back. See Vacation Packages and Deals for details by Upromise Travel partner.

4 Cash rewards will post to Upromise GoalSaver account(s) in the form of interest payments and is subject to taxable income rules. Each cash reward program is subject to individual eligibility requirements:
* 10% Match on Upromise Rewards: To be eligible for the 10% annual match on your Upromise earnings from Upromise, you must link your Upromise GoalSaver Account to your Upromise Account and, within 90 days of opening your Upromise GoalSaver Account, either: 1. Make your first of at least 10 externally funded credit/deposit transactions into the Upromise GoalSaver Account and complete at least 10 externally funded credit/deposit transactions within the anniversary year or 2. Fund your Upromise GoalSaver Account with $5,000 or more and maintain an average daily balance of $5,000 or more during the 12 months from account opening. Should you fail to meet the requirements during the anniversary year, you will have the opportunity to become eligible for the 10% match in additional years if, by your anniversary date, you (a) link your Upromise GoalSaver Account to your Upromise Account, and (b), you either meet the $5,000 average daily balance minimum funding requirement, or you meet the 10 externally funded credit/deposit requirement in the anniversary year. If you qualify for the 10% match based on having the average daily balance of $5,000 in your Upromise Account, you must maintain that average balance in your Upromise GoalSaver for the duration of the anniversary year for which your transferred earnings will be matched. Once you complete the steps above, Upromise will match 10% of your Upromise earnings that you transfer from your Upromise Rewards Account into your Upromise GoalSaver Account during each anniversary year. Your match will be deposited into your Upromise GoalSaver Account within 60 days after your anniversary date, provided that both accounts remain active at time of transfer. Please refer to GoalSaver FAQs for additional information. Upromise may change or terminate the 10% annual match offer at any time without notice. Other terms and conditions may apply. Upromise Accounts are not FDIC insured, carry no bank guarantee and may lose value.
* Annual Bonus: $10 Annual Bonus will post to your Upromise GoalSaver account within 60 days of the completion of each anniversary from the date your account was opened. To be eligible for the bonus each year, you must have a recurring deposit post at least 10 out of the 12 months in an amount not less than $10 each deposit and your account must be in an open status at the time of bonus posting.
* Loyalty Bonus: $100 will post to your Upromise GoalSaver account within 60 days of the completion of the 3rd year anniversary of when your account was opened. To be eligible the Account must maintain at least $0.01 up until the day before the 3rd anniversary date, a $5,000 balance must be reached by and remain in the account on the 3rd anniversary date and the account must be in an open status at the time of bonus posting. 5 Before investing in any 529 plan, please consider whether your or the designated beneficiary's home state offers its taxpayers benefits that are only available through that state's 529 plan. The availability of tax or other benefits may be contingent on meeting other requirements. Please consult your financial, tax, or other advisors to learn more about how state-based benefits and limitations would apply to your specific circumstance. You may also contact your home state's 529 plan(s), or any other 529 plan, to learn more about those plans' features, benefits and limitations. Subject to minimum transfer amounts. 529 savings plans are not FDIC insured, carry no bank guarantee and may lose value.

6 Only the student loan borrower can link Upromise and loan accounts. Cosigners, parents, family and friends may direct their Upromise earnings to the Upromise account of a student loan borrower to help them pay down their loans. Not all student loans may be eligible for linking. To view details and how Upromise earnings are applied to student loans please visit www.Upromise.com/loanlink. Upromise account balances of $10 or more will be transferred to help pay down linked student loans on a monthly basis. If you have multiple eligible loans, allocation of your Upromise earnings will depend on the loan type and are at the sole discretion of Upromise and Sallie Mae. Access to Upromise is not limited to Sallie Mae and Navient loan customers. Primary borrower must enroll in Upromise to be eligible to earn a reward into his or her active Upromise account of 2% of the scheduled loan payment amount for each on-time payment during the in-school and separation periods. Loan payments must remain current to be eligible for the reward. The Smart Reward Benefit and Upromise membership are subject to the terms and conditions of the Upromise service, as may be amended from time to time. Terms and conditions apply to the Upromise service. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice. Go to Upromise.com to learn more. Upromise accounts are not FDIC insured, carry no bank guarantee and may lose value.

Sallie Mae, Smart Option Student Loan, Smart Reward, and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.

Upromise, the Upromise logo, and Upromise Loan Link are registered service marks of Upromise, Inc.