“Unleash Your Earning Potential with the Upromise Mastercard! A Real Cardholder’s Story Exposed!” Are you tired of credit cards that don’t give back? Look no further than the Upromise Mastercard! This card has changed the game for me – earning cash back on everyday purchases has never been more rewarding. Find out how this card can help you reach your financial goals and start earning today!

Credit cards are often associated with hefty annual fees, but the Upromise Mastercard breaks this trend by offering a plethora of perks without charging an annual fee. As someone who has been using this card for years, I have experienced firsthand the benefits it offers. In this review, we will delve into the various rewards perks, benefits, rates, and fees associated with the Upromise Mastercard.

Card Rewards Perks
1. Welcome Bonus: Earn $100 bonus cash back rewards after spending $500 on purchases in the first 90 days.
2. Cash Back Rewards: Receive 1.529% cash back rewards when your Upromise Program account is linked to an eligible College Savings Plan. Alternatively, earn 1.25% bonus cash back rewards if your account is not linked to a College Savings Plan.
3. Upromise Round Up Rewards: Round up your purchases to the nearest dollar and convert the total Round Up Amount into cash back rewards.
4. Earn up to $250 in Cash Back Rewards per Year: Get up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus gift card shopping portal.

Other Card Benefits & Perks
– Free online access to your FICO Credit Score for credit monitoring.
– No foreign transaction fees on international purchases.
– $0 fraud liability protection ensures you are not liable for unauthorized charges.

Card Rates & Fees
– Annual Fee: $0
– Foreign Transaction Fees: $0
– Balance Transfer Fee: Either $5 or 5% of each transfer amount.
– APR for Purchases: Varies based on creditworthiness.
– APR for Balance Transfers: 0% introductory APR for 15 months.
– APR for Cash Advances: 29.99%

Pros for this Card
– Competitive cash back rewards with easy-to-obtain welcome bonus.
– Rare $0 annual fee with valuable perks.
– Up to $250 in bonus cash back rewards on gift card purchases per year.
– Free FICO score access and alerts.
– No foreign transaction fees for international travelers.

Cons for this Card
– Cash back rewards are solid but not industry-leading compared to other cards.
– Need to link an eligible college savings plan for maximum rewards.
– Standard credit card rates and fees apply, except for annual and foreign transaction fees.

In conclusion, the Upromise Mastercard stands out as a solid choice for cash back rewards without the burden of an annual fee. The benefits such as bonus cash back rewards on gift card purchases, free FICO score access, and no foreign transaction fees make it a valuable addition to any wallet. Remember to pay your balance in full every month to fully enjoy the perks without incurring fees. Consider the Upromise Mastercard for a rewarding credit card experience.