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Before applying I highly suggest reading the following posts: Slow & Steady Doesn't Make You A Loser and A Mandatory Waiting Period to Apply for Credit Cards?. You can find all of our credit card reviews here.
Upromise Mastercard Increased Bonus & Analysis
Last month when Doctor of Credit asked me what I thought was an underrated credit card, the first thing that came to mind was the Upromise Mastercard. The card doesn’t get a lot of attention, but it has some pretty generous earning potential.
Today one of my readers emailed me to share that the normally low $25 sign-up bonus has been increased to $100 after spending $1,000 on the card during the first three months. Lets take a look to see if its worth it.
Key Card Features
- No annual fee
- Earn a $100 cash back bonus after $1,000 in purchases in the first 90 days of account opening
- Earn up to 10% cash back on eligible purchases through Upromise.com
- Earn 4% cash back on thousands of participating Upromise dining restaurants (More info on Dining here.)
- Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
- Earn 2% cash back on eligible movie theater locations
- Earn 1% cash back on all other purchases
If you use the Upromise portal (See: Shopping Portal Strategy) then this card should be on your list. Quite often they have the highest cash back percentage and this card doubles the normal 5% cashback rate at a number of stores.
It can also be a nice card for gas purchases if you normally shop at Exxon or Mobil. (Or have one that sells gift cards.)
The biggest drawback of the Upromise Mastercard is that it is issued by Barclay’s. Since they also issue the Arrival Plus (my review) and the US Airways Mastercard, it falls firmly in third place among their cards in my opinion. (In other words I would get those cards first, especially since the US Airways card 50k offer will go away once the programs merge in the 2nd quarter.)
Barclay’s has tightened significantly over the past few years in allowing multiple cards. If you already have the Arrival Plus and US Airways and have a good use for this card, then it might be worth the application, but there is no guarantee of an approval.
Where to Apply
Fortunately Google came to the rescue and I found that the $100 offer is available via creditcards.com. (I have not found it elsewhere. If you do, feel free to post in the comments.)
You can support Miles to Memories by clicking through from our credit cards page and applying for the card. It is found in the “No Annual Fee” section on page 3. You can also visit creditcards.com directly and find the card and offer there.
I have both the Arrival Plus and the US Airways Mastercard and am seriously considering applying for this. Since my last Barclay’s application was less than two months ago, I will have to wait a bit, so hopefully the increased offer sticks around.
Do you have the Upromise Masstercard? Share your experiences in the comments!
HT: Anthony H.
Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.