U Promise® Mastercard® Review: Rewards, Fees & Benefits

Welcome Bonus

$100

Welcome Bonus

Spend $500 in the first 90 days

Rewards

Reward TypeCash Back

Base Rate0.01x / 0.01%

Bonus RateUp to 0.02x

Point Value~0.01¢ each

Travel Portal1x

ExpirationRewards do not expire as long as your account is open and in good standing.

Redemption NotesRedemption for statement credit or direct deposit may yield a lower cash back rate (1.25%) compared to redemption into a UPromise account (1.5%).

Category	Rate	Type	Cap
All Other Purchases Earns 1.5% cash back on all eligible purchases.	1.5x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Benefit	Category	Value / Coverage
Free FICO Score Access Get free online access to your FICO® Score, allowing you to monitor your credit health.	Financial	Free access
No Annual Fee There is no annual fee for carrying this credit card.	Financial	$0 Up to $0
Concierge Service Provides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and other requests.	Lifestyle	24/7 personalized assistance
Cell Phone Protection Provides coverage for damage to or theft of an eligible cell phone when the monthly cell phone bill is paid with the UPromise Mastercard. Coverage is secondary to other insurance. A $50 deductible applies per claim.	Purchase Protection	Up to $600 per claim, maximum 2 claims per 12-month period Up to $600
Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible items purchased with the UPromise Mastercard. Applies to warranties of five years or less.	Purchase Protection	Up to $1,000 per claim, up to $10,000 per 12-month period Up to $1,000
Purchase Protection Reimburses for eligible items purchased with the UPromise Mastercard that are stolen or damaged within 90 days of the purchase date.	Purchase Protection	Up to $1,000 per claim, up to $10,000 per 12-month period Up to $1,000
Mastercard ID Theft Protection™ Provides identity theft resolution services, including monitoring for suspicious activity, alerts, and assistance with identity restoration. Includes ID Theft Alerts, Emergency Wallet Replacement, and Resolution Services.	Security	Identity theft monitoring and resolution services
Mastercard Zero Liability Protection You are protected against unauthorized purchases made with your card. You pay nothing if your card is lost or stolen and unauthorized purchases are made.	Security	$0 liability for unauthorized purchases Up to $0
Cash Back Rewards (Linked Account) Earn 1.5% cash back on every purchase when your eligible UPromise Program account is linked and cash back is deposited into an eligible 529 college savings plan or high-yield savings account.	Shopping	1.5% cash back
Cash Back Rewards (Unlinked Account) Earn 1.25% cash back on every purchase when your eligible UPromise Program account is not linked or cash back is not deposited into an eligible 529 college savings plan or high-yield savings account.	Shopping	1.25% cash back
Baggage Delay Insurance Reimburses for the emergency purchase of essential items when checked baggage is delayed by a common carrier for more than four hours.	Travel Insurance	Up to $100 per day for 3 days Up to $100
Car Rental Collision Damage Waiver Provides secondary coverage for physical damage and theft of most rental vehicles when the eligible rental is paid for entirely with the UPromise Mastercard and the cardholder declines the rental company's collision damage waiver.	Travel Insurance	Up to $50,000 Up to $50,000
Lost Luggage Insurance Reimburses for the value of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier.	Travel Insurance	Up to $3,000 per covered person Up to $3,000
Mastercard Global Service Provides 24-hour emergency assistance for card-related questions, lost/stolen card reporting, emergency card replacement, and emergency cash advance.	Travel Insurance	24/7 emergency assistance
Travel Accident Insurance Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the UPromise Mastercard.	Travel Insurance	Up to $250,000 Up to $250,000
Travel Assistance Services Provides pre-trip assistance, medical assistance, legal assistance, and emergency cash transfer services when traveling. Cardholders are responsible for the cost of third-party services.	Travel Insurance	Referral and coordination services
Trip Cancellation/Interruption Insurance Reimburses for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when the entire fare has been charged to the UPromise Mastercard.	Travel Insurance	Up to $1,500 per covered person, up to $5,000 per trip Up to $5,000

Interest Rates

0%

Intro Purchase APR for 15 months

0%

Intro BT APR for 15 months

Purchase APR21.24%–29.24% Variable

Cash Advance APR29.99%

Penalty APR29.99%

Min. Interest Charge$0

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending (MS), high cumulative credit limit across Barclays cards relative to income, frequent balance transfers without new spending, abnormal spending patterns (e.g., sudden large purchases followed by inactivity), late payments or defaults on other credit products, rapid opening of multiple new accounts with other issuers shortly after obtaining a Barclays card, or repeated applications for credit after recent denials.

Cliff Effect Rules

The primary 'cliff effect' for Barclays' upromise-mastercard relates to bonus eligibility. Applicants are generally restricted from receiving the sign-up bonus if they have previously held this specific card product and received a bonus within the last 24-48 months. This rule applies to the specific card product bonus and not to other Barclays cards or general new account limits.

International Friendly

May have limitations for international use.

Additional Issuer Rules

For 2026, the upromise-mastercard from Barclays typically offers a one-time cash bonus (e.g., $200) after new cardmembers spend a specified amount (e.g., $1,000) within the first 90 days of account opening. Eligibility requirements include having excellent credit (generally a FICO score of 740+), being at least 18 years old, and a U.S. resident. Barclays is known for its strict application rules, including the '6/24 Rule,' which means applicants are generally denied if they have opened more than 6 new credit card accounts across all issuers in the past 24 months. Furthermore, applicants are typically ineligible for the sign-up bonus if they have previously held the upromise-mastercard and received a bonus within the last 24-48 months.

U Promise® Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary