Credit Tools. In one of our recent articles, we talked about the rising cost of college over the last 35 years. This is often the point where opponents of college education would argue and say that a college education is not necessary. Popular online influencers are at the forefront of this argument. And while they have valid points, that doesn't mean that getting the right degree is a waste of time or money. In fact, if you plan to enter highly-skilled professions in fields like healthcare, education and engineering, a college degree will almost certainly be a necessity!
And so for those of us who want to give our children the promise of an education, it's criticial to looks for ways to earn a college degree withou racking up large amounts of debt. That's where Upromise comes in. Upromise can help with that by offering rewards to bolster your college savings. Learn more in our Upromise review. Quick Summary. Link a card to begin earning rewards at restaurants and online Earn 1. Upromise Details. Product Name.
Table of Contents What Is Upromise? Upromise Restaurant Rewards. College Savings Tools And Advice. What Is Upromise? Linking Your Plan They key step to start is making sure you link your plan. Online Shopping Rewards. Upromise Mastercard.
Is Upromise Worth It? Upromise Features. Restaurant rewards Online shopping Upromise Mastercard. Participating Restaurants. Platform Cost. Mastercard Annual Fee.
Minimum Transfer Amount. Transfer Frequency. Monthly first week of the month. Overall Rating 3. Next Steps. On Barclaycard's Secured Site. Credit score is one of the many factors lenders review in considering your application. When compared among all rewards cards in our database:. Low Fees. Low Interest. Read our full methodology. Pros Explained. Cons Explained. Rewards Earning Details. Rewards Redemption Details. How to Maximize Your Rewards. Outstanding Benefits. Standard Benefits.
Cardholder Experience. Security Features. Our Verdict. Pros Cash back bonuses for initial spending and for plan-linked accounts Introductory APR on balance transfers Round Up feature to enhance cash back.
This Card is Best For. Seeks to maximize cash back earnings across spending categories. Prefers uncomplicated rewards with single rate for all spending. Resists or refuses an annual fee on principle or due to cost. Compare This Card See how this card compares to similar cards. Full Review. Investopedia Credit Card Rating Methodology. Investopedia is committed to delivering the best credit card recommendations in the industry.
We have applied our proprietary rating methodology to every generally-accepted credit card in the U. Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes: Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer.
There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit.
We rate both introductory APR percentage and length in months along with the midpoint of the variable regular APR interest rate range. Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards which can be generic or travel partner-specific, as with airline and hotel co-brand card programs. For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value.
It also provides members with the opportunity to earn college scholarships. Upromise is free to join and does not charge any fees. It provides numerous ways to help families reach their college savings goals, including:. Credit card. Upromise offers the Upromise Mastercard from Barclays Bank with no annual fee and with cash back rewards on all your spending. There are no rotating reward categories. There is a day grace period for avoiding interest on credit card purchases. The credit card provides free access to your FICO credit score.
Monthly payments on the credit card can be automated. Transaction data can be automatically uploaded into Quicken , making it easier to track your spending. Credit card cash back rewards. Cardholders earn 1. There are no rotating reward categories or caps on how much you can earn in cash back rewards.
The 1. Round up program. The Upromise credit card includes the option of a spare change investing program, where purchases are rounded up to the nearest whole dollar.
There is no fee for the round up program. Along with other earned rewards, any round up amounts are automatically transferred to a linked plan, so it is a painless way of increasing college savings. The round up amounts are eligible for the 1. Shopping portal. Upromise lets you earn rewards from online shopping made through the Upromise shopping portal.
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