Sallie Mae Home  Undergraduates  Smart Option Student Loan  Career Training Smart Option Student Loan  Graduates  Smart Option Student Loan  Medical Residency & Relocation Loan  Dental Residency & Relocation Loan  Bar Study Loan  K-12  Managing Your Loans  Banking  Insurance  Credit Cards  Upromise Rewards  Plan for College  Saving for College  Scholarships for College  College Grants  Financial Aid  Types of Student Loans  The College Planning Toolbox  How America Pays for College  How America Saves for College   Contact Us  Feedback 
Manage & Pay Loans  Banking  Upromise Rewards  Activity Center Login  Complete Your Application  Check Your Loan Status  eSign Your Loan  Cosign Existing Loan 

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,,,, 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 Savings

There are so many options.
  • Open a High-Yield Savings Account — 10% match
    Get a 10% annual match on your Upromise cash back.4
  • Start a 529 Savings Account Plan
  • Pay down an eligible Sallie Mae Student Loan5 — 2% cash back
    Upromise members get 2% back in their Upromise account when they make scheduled monthly payments on time while in school.
  • Request a check


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 for a list of cash back amounts by partner. You can also click on the 'Store Info' popup when you hover over a partner to see coupons & deals and product exclusions for that partner, if any.

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

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 To be eligible for the 10% annual match on your Upromise earnings from Upromise, you must link your High Yield Savings Account (HYSA) to your Upromise Account and, within 90 days of opening your HYSA, either: 1. Set up an Automatic Savings Plan with a monthly deposit of $25 or more ("ASP"), or 2. Fund your HYSA account with $5,000 or more. Should you fail to meet the requirements during a calendar year, you will have the opportunity to become eligible for the 10% match in additional years if, by January 1, you (a) link your HYSA to your Upromise Account, and (b), you either meet the $5,000 minimum funding requirement beginning January 1, or you meet the ASP requirement each month of the year. If you qualify for the 10% match based on having the minimum balance of $5,000 in your HYSA, you must maintain that minimum balance in your HYSA for the duration of the calendar year for which your earnings will be matched. Once you complete the steps above, Upromise will match 10% of your Upromise earnings posted as ”funded” to your Upromise Account during each calendar year. Your match will be deposited into your HYSA in February in the year after you have linked and funded your account as described above, provided that both accounts remain active and are in good standing at time of transfer. Visit the FAQ's to learn more. 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.

5 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. Smart Option Student Loans and other student loans may not be eligible for linking. To view details and how Upromise earnings are applied to student loans please visit 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 loan customers.

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