How It Works
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Link a Financial Account
Sign up for free and link any financial account, such as checking and savings, a 529 plan, or a student loan account, and claim up to $30 in instant Welcome Bonuses.
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Earn Cash Back Rewards
Shop, game, dine, and discover your favorite deals with Upromise to earn cash back rewards on your everyday purchases.
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Start Saving Automatically
Upromise will automatically deposit your cash rewards & bonuses into your linked account with monthly contributions for maximum savings potential.
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Get rewarded for making everyday purchases
Get cash back rewards on everyday purchases, including online shopping, groceries, dining, and all qualifying purchases you make with your Upromise® World Mastercard®.
Get cash back on everyday purchases
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Save for any life event
Save for any life event
Upromise helps you meet your major financial goals such as student loan repayment, retirement, education, and home ownership.
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Flexible options
Upromise offers a range of savings options that are flexible and can be tailored to fit individual needs. Even better, Upromise will automatically transfer your rewards into your linked financial account.
Flexible options
Small contributions add up big
See how saving with Upromise adds up quickly. Just $10/month in Upromise rewards can add more than $3,500 to a 529 account over 18 years at 5% interest.
Calculated with a monthly deposit of $100/month at 1% interest in a savings account and 5% interest in a 529 account.
Investments Chart
- Today
- Year 18
- $41,956
- $38,142
- $34,920
- $23,655
- Upromise Mastercard + 529 + Upromise Account + Traditional savings
- 529 + Upromise Account + Traditional savings
- 529 + Traditional savings
- Traditional savings
The chart above is an estimate for illustrative purposes only. Cash back rewards earned will be based on your actual spend on your Upromise® World Mastercard®. Returns may vary based on plan performance. The calculations shown assume that the cardmember's Upromise Program account has been linked to an eligible 529 College Savings Plan.
How to maximize saving for the future while enjoying life today
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Link Your Accounts
Upromise offers a range of savings options that are flexible and can be tailored to fit individual needs. Even better, Upromise will automatically transfer your rewards into your linked financial account.
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Upromise® World Mastercard®
Cardmembers earn 1.529% cash back rewards on purchases when their Upromise Program account is linked to an eligible College Savings Plan, or 1.25% cash back rewards on purchases if their Upromise Program account is not linked1. In addition, cardmembers earn up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus2.
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Groceries & Essentials
Get big savings on your everyday grocery runs just by saving your receipts! Find hidden deals on hundreds of essentials and claim them instantly with a single snapshot of your receipt.
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Dining Out
Use any linked credit and/or debit card at more than 10,000 restaurant locations to earn a 2.5% bonus on your restaurant bill (or 5% if you pay with the Upromise® World Mastercard®).
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Online Shopping
Find the best deals, coupons and cash back rewards at thousands of your favorite online stores for easy savings every time you shop online.
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Mobile Games
Turn playtime into pay time with hundreds of exciting games. Supercharge your cash back rewards with every challenge you complete.
Start saving more for your goals
Get $30 in Welcome Bonuses* today.
*Bonus is awarded as $5.29 for email verification and $25.00 for 529 or student loan account linking. Member must link a valid 529 College Savings Plan or U.S. student loan account within 30 days of Upromise sign-up and keep it active through the first cash back rewards redemption cycle to receive the $25.00 bonus. Member's cash back rewards account balance must meet the minimum transfer amount to be eligible for transferring cash back rewards into a linked account.
1 Conditions and limitations apply. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.
2 Benefit provided and administered by Upromise. Conditions and limitations apply. Visit www.upromise.com/member-agreement to review Upromise’s Member Agreement to learn more about terms and conditions associated with benefits offered by Upromise.