Upromise® World Mastercard®
$200 Cash Back Rewards after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“$200 Bonus Cash Back Rewards”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.25x Purchases when your Upromise Program account is not linked to a College Savings Plan; not counted: 1.529x Purchases when your Upromise Program account is linked to an eligible College Savings Plan.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
After you spend $1,000 on purchases in your first 3 months.
The bonus may only be earned once. You may not be eligible if you currently have or previously had an account with Barclays in this program; additional conditions and limitations apply.
How you earn · Upromise
- 1.529%Purchases when your Upromise Program account is linked to an eligible College Savings Plan
- 1.25%Purchases when your Upromise Program account is not linked to a College Savings Plan
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 18.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “0% introductory APR for 15 months on balance transfers made within 45 days of account opening.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fees on international purchases.
- $0 Fraud Liability Protection; you are not responsible for charges you did not authorize.
- Free online access to your FICO Credit Score, including email alerts when Barclays learns that your score has changed.
- Upromise Round Up lets you round up purchases to the nearest dollar, based on a limit set from $1 to $500; the total Round Up Amount is considered a purchase and converted to cash back rewards.
Changes
- $100 Cash Back Rewards · Sep 29, 2026 to Oct 2, 2026
- $200 Cash Back Rewards · Oct 2, 2026 to today
Only changes that held for at least three days on both sides count; one-day blips in a reading don't.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 18.74–29.74% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. cards.barclaycardus.com, since Oct 1, 2026
- Is there a welcome bonus?
- $200 cash back after $1,000 in purchases in 3 months. cards.barclaycardus.com, since Oct 2, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$710 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$650 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$625 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).