Upromise is good and has allowed me to save a few thousand over the years for my son's college account. However, Barclay Mastercard is an absolute train wreck. Their customer service is nonresponsive and does not take care of any issues. I have tried several times to resolve a dispute, but their helpless team is useless. I will be cancelling this card as soon as possible after I research a better option. Good riddance!

The credit card itself is ok, but the customer service from UPromise is absolutely awful and non-existent. I have had several issues with credit and bonuses, and the Barclays customer care team just refers me to the UPromise care team, which is only contactable by online form (there is zero phone support), and most of the time their responses are completely unhelpful and require multiple follow-ups. I’m about to cancel the card and go back to another rewards program because this hassle isn’t worth it.

It does what it says. Helps you sock away money for college and links to a 529 account. However, in my experience they appear to be prone to fraud. I've had to get approximately five new cards issued in the past four years due to fraudulent activity, and I've never lost my wallet or card, it's all hacking. As you can guess, sorting this out is always a big hassle and has ultimately made me concerned about ever using it. I'm currently still dealing with their customer service reps trying to straighten out a fraudulent episode that occurred in July. Unfortunately, they appear to be the only game in town if you want a CC that works with your 529 account.

In my opinion, this is a racket. I see no evidence that I have benefited in any way from my association with Upromise through my Barclay Mastercard. I see that they say I have rewards, but the beneficiaries that I submitted for rewards have not received anything. My daughter got nothing for her college. Now that my daughter has graduated GRADUATE SCHOOL, I decided to see if my rewards could benefit me on my college loans. Barclays lousy customer service tells me that my rewards were going to my Navient student loans. I see no evidence of that. When I paid off my Navient student loans with a divorce settlement months ago, the rewards should have been going to me. I inquired "Show me the money!" Barclays said, go to the upromise website. When I go to the Upromise website, they say set up your beneficiary. I designated their card. My student loans have been paid off since April and not a cent has gone to my Barclay's credit card. Something is rotten in Denmark. I would not sign up for this. Who knows where your info is going, but, in my experience, you won't get any rewards. Trying to get help from their customer service is futile. You cannot get to talk to a human. I plan to file a complaint with the proper authorities once I figure out who they are--my State Corporation Commission, the state banking officials, a consumer watchdog group. Who knows? But you won't get any money from Upromise.

Every time I make a payment to these people, they place the payment on administrative hold for at least 7 business days. I get no notice that they've done this. When I call, I'm told they place this hold to ensure that the bank doesn't pull the money back after the payment is made, due to "recurrent revoked payments" on the account. I've NEVER had a revoked payment. The agents I've spoken with have even confirmed that for me, but they won't remove the hold. So, the money I've paid them sits in limbo for at least 7 business days before the available balance hits the card again. I've never had a card do this before. These online payments are supposed to credit to the account in 1-2 business days, but instead they're holding my money hostage. If you want to beg a company to take your payments and let you use your card, this is the one for you.

2 stars because I haven't had any problems getting my money transferred to UPromise, though it takes a LONG time.

March 1, 2019

If you're considering partner up with Upromise credit card, you should read my review:

I was unaware I have a statement with Upromise Credit Card for Uber on October 28, 2017, for $7.17. I did not receive a statement in my email or in the mail about this the amount or aware that I have a statement with Upromise/ Brclybankde credit card. The only reason how I would find out about this statement is through my Chase Credit Check that I am now currently partnering up with. I spent two hours on the phone, with 5 different representatives, got pass through 3 or 4 different departments tried to get this settle on February 28, 2019. Talked to all the representatives about 30 minutes of those two hours and was on hold for about one hour and thirty minutes. By 6 PM the department that I was supposed to, the claim department, is now closed and Upromise asked me to call back tomorrow. I also spent another hour today (March 1, 2018), talking to Anna, one of the supervisors, with the employee number 28638 and she has told me to write in a dispute with the Credit Bureau because her hands were tied to Brclybankde regulations. This $7.17 has now accumulated to about $215 because of all of the late fees. Since I was unaware of the statement or known about it in the first place and has to go to one of Upromise competitors credit check to find out that I have a negative balance, I am refused to pay the accumulated late fees that I have on my statement. Upromise has close this credit card because of “Derogatory,” I’m shocked how Upromise business operate by this because there was no contact from Upromise and me getting trying this settle. Because of this problem my credit score has been very bad from a statement I was unaware of. Now, I don't have the card in my possession anymore.

Upromise had messed up my credit score because they fail to tell me about the negative balance. I receive zero communication from Upromise from which they claim they have tried to contact me with zero proves. If you're looking for a better business operation I would say go somewhere off, save yourself the time and headache.

In the five months I've had this credit card, none of my Upromise online shopping bonus (amount varying by merchants) for Hertz reservations (3x), Toys'R'Us purchases (2x), and Buy Buy Baby purchase (1x) got credited. When I reported missing online shopping bonuses, most of my claims were denied. Upromise/online portal merchants always use the same set of "activities that may disrupt our ability to track and reward for your purchases" to explain why my purchases were ineligible for reward even when I repeatedly dotted all the i's and crossed all the t's to make sure I didn't make any of those mistakes.

The practically guaranteed 5% cash back from Upromise Mastar Card (the reason I applied for this credit card) for paying for those online portal purchases was sadly more unreliable than the online shopping bonus. To date I have only received 5% cash back from my Priceline.com discount airfare purchase and Drugstore.com purchases. None of my other purchases through the Upromise online portal has given me more than 1% cash back.

The bottom line: I have to use a spreadsheet to track every spending I make and every reward I receive, so I know when to file missing reward claims. If you want to get this card you should get a spreadsheet ready, too.

If you care about your credit rating and want to actually use a credit card look elsewhere. If you have a tough time and use the credit card, they will reduce the limit available to you by $400-$500 at a time. This means that you will never get ahead with your credit rating because you will always be in debt a high percentage to the total available to you, thus lowering your credit scores. Barclays (the bank who issues Upromise credit card) is the classic banker where they give you an umbrella when the sun is shining and take it away when it's raining. No other credit card is so brutal. Their interest rates aren't that great anyway and all the people who talk about not getting much back in rebates are spot on. It's an advertising gimmick.

Never Try to apply for this card, They approve it and they send email and all , at the end they say they want documents to be mailed that is we cant even fax or email , The weird process i have ever seen, They cant even close the account it seems, if we don't send the documents in return which effects our credit history, So applying for this card is like applying for troubles..!!