UPromise World Mastercard

Sign-up Bonus

$100 cash back after $500 spend in the first 90 days

1.529%All purchases (when linked to 529 plan)1.5%

1.25%All purchases (not linked to 529 plan)1.3%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Credits & Perks (1)

MyGiftCardsPlus.com: $250 (Annual)
Up to $250 annually in cash back rewards on eligible gift card purchases at MyGiftCardsPlus.com. Earn $10 bonus when you spend $50-$149.99 on gift cards in a month, or $20 when you spend $150+ (increases to $25 in November-December).

Protections (5)

Travel Accident Insurance — up to $250,000 — Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per trip for non-refundable trip costs due to sickness, injury, death, severe weather, terrorist actions, jury duty
Baggage Delay Insurance — up to $300 — Up to $100 per day for 3 days for essential purchases when baggage is delayed 6+ hours
Auto Rental Collision Damage Waiver (secondary) — Coverage for rental car damage or theft when entire rental paid with card; covers vehicles up to Actual Cash Value; rentals up to 31 consecutive days
Cell Phone Protection — up to $600 — Up to $600 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card; covers theft and damage (not loss)

5% cash back at approximately 10,000 participating restaurants when paying with the card (2.5% with other linked cards)
0% intro APR for 15 billing cycles on balance transfers made within 45 days of account opening
Round Up feature converts rounded-up purchase amounts to cash back rewards
Free FICO Credit Score access with email alerts for changes
$0 fraud liability protection