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Barclays

Upromise World Mastercard

Upromise World Mastercard card art

Estimated value every year on typical spending

$312/ year

Every year, after the annual fee. Year one adds a $200 welcome bonus: $512

+$312rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Barclays

Is it worth it?

With no annual fee, the Barclays Upromise World Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

The fine print

Intro APR
0% for the first 45 days
Regular APR
18.74% to 29.74% variable
Foreign fee
None
Rewards paid as
Cash back
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 1.529% cash back rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan
  • 1.25% cash back rewards if not linked

Sign-up bonus

$200 Bonus Cash Back Rewards after spending $1,000 on purchases in the first 90 days

Best for

  • Keeping costs at $0

Not ideal for

  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
0% for the first 45 days
Regular APR
18.74% to 29.74% variable
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
  • $1200/mo on everyday spending earns about $144/year (1%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

Upromise World Mastercard: questions people ask

Is the Barclays Upromise World Mastercard worth it?

With no annual fee, the Barclays Upromise World Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending. The welcome bonus adds roughly $200 in the first year.

What is the Barclays Upromise World Mastercard annual fee?

The Barclays Upromise World Mastercard has no annual fee ($0).

What is the Barclays Upromise World Mastercard welcome bonus?

$200 Bonus Cash Back Rewards after spending $1,000 on purchases in the first 90 days. We value it at about $200. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Barclays Upromise World Mastercard earn?

1.529% cash back rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan. 1.25% cash back rewards if not linked.

What credit score do you need for the Barclays Upromise World Mastercard?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Barclays Upromise World Mastercard charge foreign transaction fees?

No. The Barclays Upromise World Mastercard has no foreign transaction fee.

Does the Barclays Upromise World Mastercard have a 0% intro APR?

0% for the first 45 days. After that the regular APR is 18.74% to 29.74% variable.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.