Upromise® Mastercard®
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Upromise® Mastercard® from Barclays earns up to 1.3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $100 Bonus Cash Back Rewards after spending $500 on purchases in the first 90 days.
- Top category
- Dining
- Effective value
- 1.3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.3% back. The welcome bonus can help if you can meet the spend requirement.
What does the Upromise Mastercard earn in each category?
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Upromise Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.3% effective value (1.3% back). That dining rate ranks higher than about 34% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Upromise Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.3% back | 1.3% Top category |
| Grocery Supermarkets and grocery stores | 1.3% back | 1.3% |
| Gas Gas stations and fuel | 1.3% back | 1.3% |
| Travel Flights, hotels, transit | 1.3% back | 1.3% |
| Other General everyday spend | 1.3% back | 1.3% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Upromise Mastercard?
The Upromise Mastercard fits spenders who put meaningful volume in dining and can earn 1.3% back. Best for spenders who put meaningful volume in dining and can earn 1.3% back. The welcome bonus can help if you can meet the spend requirement.
Upromise Mastercard fits spenders who put meaningful volume in dining and can earn 1.3% back. Madeen ranks its dining effective rate higher than about 34% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.3% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.3% effective (1.3% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
What is the Upromise Mastercard welcome bonus?
In Madeen's catalog snapshot, the Upromise Mastercard welcome offer is Earn $100 Bonus Cash Back Rewards after spending $500 on purchases in the first 90 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $100
- Terms (catalog snapshot)
- Earn $100 Bonus Cash Back Rewards after spending $500 on purchases in the first 90 days
- Minimum spend
- $500
- Window
- 90Days
Does the Upromise Mastercard have an annual fee?
The Upromise Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Upromise Mastercard?
The Upromise Mastercard includes 1.25% Cash Back Rewards, 1.529% Cash Back Rewards, Earn up to $250 in Cash Back Rewards per Year in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Get more with Upromise Round Up
$500/yrUpromise 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.
Earn up to $250 in Cash Back Rewards per Year
$250/yrGet up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus, powered by Upromise. Learn more at MyGiftCardsPlus.com
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
FICO® Credit Score
$25/yrFree 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.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
1.25% Cash Back Rewards
Earn 1.25% bonus cash back rewards on your purchases if your Upromise Program account is not linked to a College Savings Plan.
1.529% Cash Back Rewards
Earn 1.529% Cash Back Rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan. A current list of eligible College Savings Plans can be found at Upromise.com/CollegeSavingsPlans
Related encyclopedia topics
Common questions about the Upromise Mastercard
Does the Upromise Mastercard have an annual fee?
The Upromise Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Upromise Mastercard?
Dining is the strongest Madeen category for the Upromise Mastercard at about 1.3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Upromise Mastercard charge foreign transaction fees?
The Upromise Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Upromise Mastercard welcome bonus?
The Upromise Mastercard welcome offer in our snapshot: Earn $100 Bonus Cash Back Rewards after spending $500 on purchases in the first 90 days. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Upromise Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Upromise Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Upromise Mastercard?
Rewards on the Upromise Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Upromise Mastercard compare to similar cards?
Compare the Upromise Mastercard against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Upromise Mastercard This card | Dining | 1.3% | $0 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure