Pros & Cons

Pros

  • +Welcome Bonus: $100
  • +No foreign transaction fees
  • +No annual fee

Cons

  • No purchase protection

Our Review

Grow College Savings Effortlessly with the Upromise® World Mastercard®

  • 1.529% cash back on every purchase when linked to an eligible 529 college savings plan
  • 1.25% cash back on all purchases if not linked to a 529 plan
  • Up to $100 bonus after you spend $500 in the first 90 days
  • Round Up feature lets you boost earnings by rounding purchases to the nearest dollar
  • 0% intro APR on balance transfers for 15 months (transfers must post within 45 days)
  • No annual fee and no cap on cash-back earnings

Whether you’re fueling your car, stocking up on groceries or covering everyday expenses, every dollar spent builds your college fund. Link your card to a qualifying 529 plan to maximize rewards automatically deposited into your child’s savings account. Customize your rounding threshold to earn even more, and take advantage of a lengthy 0% APR window to pay down high-interest balances without extra cost. Simple, automatic, and purpose-driven—this card turns routine spending into a powerful college savings engine.

Terms apply. Rewards deposited only to Upromise accounts; see issuer for eligible plans and full details.

Rewards

All Spending

1.25x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries1.25x
$700/mo
Gas & EV1.25x
$200/mo
Transit1.25x
$100/mo
Restaurants1.25x
$300/mo
Pharmacy1.25x
$50/mo
Travel1.25x
$150/mo
Bills & recurring payments1.25x
$250/mo
Telecom1.25x
$150/mo
Entertainment & streaming1.25x
$100/mo
Office supplies1.25x
$0/mo
All other spending1.25x
$500/mo

Points Earned

37,500

Cash Back/yr

Estimated Value

$375

After Fees

+$375

1st Year Value

$376

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1.25x10,500 pts
Gas & EV$2,400/yr × 1.25x3,000 pts
Transit$1,200/yr × 1.25x1,500 pts
Restaurants$3,600/yr × 1.25x4,500 pts
Pharmacy$600/yr × 1.25x750 pts
Travel$1,800/yr × 1.25x2,250 pts
Bills & recurring payments$3,000/yr × 1.25x3,750 pts
Telecom$1,800/yr × 1.25x2,250 pts
Entertainment & streaming$1,200/yr × 1.25x1,500 pts
All other spending$6,000/yr × 1.25x7,500 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.25x
Total points earned37,500 pts
Value of points accumulated in the first year$375

Additional Benefits

No foreign transaction fees on international purchases. $0 Fraud Liability protection means you're not responsible for charges you did not authorize. Free online access to your FICO Credit Score lets you keep an eye on your credit score and get email alerts when we learn that your score has changed. Upromise Round Up lets you round up your purchases to the nearest dollar, based on the limit you set (from $1 to $500); the total Round Up Amount is considered a purchase and converted to cash back rewards.

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    0%

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Barclays. All trademarks are property of their respective owners.