Is the Upromise Mastercard subject to Chase's 5/24 rule?

No, the Upromise Mastercard is issued by Barclays, not Chase. However, Barclays has its own informal application rule, often referred to as '6/24,' meaning they are sensitive to applicants who have opened 6 or more new credit card accounts across all issuers in the past 24 months.

What credit score is needed for the Upromise Mastercard?

While a specific credit score floor is not provided, applicants generally need good to excellent credit (typically FICO scores of 670+) to be approved for most rewards credit cards, including the Upromise Mastercard.

Can I get the Upromise Mastercard bonus twice?

Information regarding a once-per-lifetime bonus restriction for the Upromise Mastercard was not provided. However, even if a bonus were available, issuers typically limit welcome bonuses to once per card product per customer over a certain period.

Does the Upromise Mastercard have an annual fee?

No, the Upromise Mastercard has a $0 annual fee, making it a cost-effective option for earning cashback.

What are the foreign transaction fees for the Upromise Mastercard?

The Upromise Mastercard does not charge foreign transaction fees, making it a good choice for purchases made outside the United States.

Who issues the Upromise Mastercard?

The Upromise Mastercard is issued by Barclays.

Upromise Mastercard: Maximize Cashback for College Savings

The Upromise Mastercard, issued by Barclays, offers a straightforward path to earning cashback for college savings with no annual fee. As of June 2026, specific welcome bonus details are not available. Eligibility for Barclays cards, including the Upromise Mastercard, is generally sensitive to applicants who have opened 6 or more new credit accounts across all issuers in the past 24 months. This card can be a worthwhile addition for those prioritizing long-term savings without incurring annual fees, provided they meet Barclays' application criteria.

The Upromise Mastercard is a no-annual-fee option from Barclays designed to help cardholders accumulate cashback towards college savings. While it may not offer a large upfront bonus for immediate churning, its long-term value lies in its simplicity and cost-free operation.

Current Welcome Bonus & Value

As of June 2026, specific details regarding a welcome bonus for the Upromise Mastercard were not provided. Therefore, we cannot estimate an initial bonus value.

Minimum Spend to Earn It

Since no welcome bonus information was provided, there is no minimum spend requirement to earn a bonus at this time.

Who's Eligible?

Applying for the Upromise Mastercard involves meeting Barclays' application criteria, which are known to be more restrictive than some other issuers.

Barclays 6/24 Rule: Barclays is informally sensitive to applicants who have opened 6 or more new credit card accounts across all issuers within the last 24 months. If you've recently opened many cards, your application may be denied.
Credit Score: While a specific credit score floor is not provided, applicants generally need good to excellent credit (typically FICO scores of 670+) to be approved for most rewards credit cards.
Once-Per-Lifetime Rule: Information regarding a once-per-lifetime bonus restriction for this specific card was not provided.

Is It Worth It? (Pros/Cons)

Deciding if the Upromise Mastercard is right for you depends on your financial goals and current credit card strategy.

Pros:

No Annual Fee: This card costs nothing to keep open, making it a low-risk option for long-term use.
Cashback for College Savings: A dedicated way to earn rewards that directly contribute to educational expenses.
No Foreign Transaction Fee: This card does not charge foreign transaction fees, making it suitable for international use.

Cons:

No Specific Welcome Bonus (Currently): Without a defined welcome bonus, it may not appeal to those focused on maximizing immediate signup offers.
No Specific Earn Multipliers (Currently): Details on category-specific bonus earning rates were not provided, limiting its potential for accelerated rewards in certain spending areas.
Barclays Application Sensitivity: The informal 6/24 rule can be a significant hurdle for active churners.

How to Apply

To apply for the Upromise Mastercard, you typically visit the official Upromise or Barclays website and complete the online application form. Ensure you review all terms and conditions before submitting your application. Be prepared to provide personal and financial information for a credit check.

Alternatives

If the Upromise Mastercard doesn't align with your churning goals or you're looking for other Barclays options, consider these related cards:

Frontier Airlines Mastercard
Hawaiian Airlines® World Elite Mastercard®
Wyndham Rewards Earner Premier Card
Barclays Wyndham Earner Premier Credit Card
Lufthansa Miles & More
AAdvantage Aviator Red

These cards offer different reward structures and benefits, often with welcome bonuses, and are also issued by Barclays, meaning they are subject to similar application sensitivities.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Upromise Mastercard — a welcome bonus