UPromise World Mastercard
BarclaysNo annual feeWorld MastercardNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
$200
after $1,000 in purchases in the first 3 months
Lower than the $300 offer we last recorded in March 2026.
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | $0 |
| Meeting the $1,000 minimumearns 1.25% here vs 2% on Double Cash | −$7 |
| First year | $193 |
| Each year after | +$145 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 1.529% | All purchaseswhen linked to 529 plan | 1.53% |
| 1.25% | Everything else | 1.25% |
Personal card · Earns Cash Back
Benefits
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)
Other Perks
- 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
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to UPromise WorldOct 8, 2026
- changed from $100 cash back after $500 spend in the first 90 days to $200 cash back after $1K spend in the first 90 daysOct 2, 2026
- changed from 500 to 1000Oct 2, 2026
- changed from null to 500Aug 13, 2026
- changed from null to 90Aug 13, 2026