Upromise® World Mastercard® from Barclays: annual fee, APR and rewards

Fact sheet for the Upromise® World Mastercard®, issued by Barclays, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Barclays
Network	Mastercard
Annual fee	$0
Rewards	Cashback: Earn 1.529% cash back rewards on your purchases when your Upromise Program account is linked to an eligible College Savings Plan (1.25% if not linked). Get up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus.
Purchase APR	18.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Intro APR	0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Sign-up bonus	Earn $200 bonus Cash Back Rewards after spending $1,000 on purchases within the first 90 days after Card Account open date.
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.24%, with a range of 18.49% to 29.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.