The Best Barclays Upromise Credit Card Review 2023

Jan 14, 2024 By Triston Martin

barclays upromise credit card The Barclays Upromise credit card is a rewards card geared towards college students and those looking to save for their children's education. With this card, cardholders can earn cash back on everyday purchases that can be deposited directly into a Upromise account or used to pay off student loans. This card also offers a 0% introductory APR on purchases and balance transfers for the first 15 months, which can be helpful for those looking to pay off existing debt or make a large purchase. Additionally, the Barclays Upromise credit card has no annual fee and offers additional benefits such as extended warranty and purchase protection. However, it should be noted that this card is only available to those with good to excellent credit. Overall, the Barclays Upromise credit card is a good option for those looking to save for their children's education or pay off student loans.

Rewards And Benefits

Cash back on everyday purchases is a significant benefit of the barclays upromise credit card login Upromise credit card. Cardholders can earn 5% cash back at participating grocery stores, gas stations, and restaurants and 1% cash back on all other purchases. Cash-back rewards can be used to pay off student loans or deposited into a Upromise account. Cardholders can use this to save for education or pay off student loans.

The Barclays Upromise credit card offers a 0% introductory APR on purchases and balance transfers for 15 months in addition to cash-back rewards. This can help those looking to buy an oversized item or pay off debt. After the introductory period, a variable APR applies. The Barclays Upromise credit card has no annual fee, another benefit. This is a plus if you want to avoid paying a credit card fee every year. The Barclays Upromise credit card also offers extended warranty protection, which can cover eligible warranties for an additional year, and purchase protection, which covers eligible purchases for 90 days against accidental damage or theft.

Eligibility And Requirements

It is important to note that the upromise credit card login barclays credit card is only available to those with good to excellent credit. Those with less than stellar credit may not be eligible for this card. In addition to having good to excellent credit, applicants must also provide personal and financial information as part of the application process.

Fees And Interest Rates

As mentioned earlier, the Barclays Upromise credit card does not have an annual fee. However, there are other fees to be aware of. Cash advances carry a fee of either $10 as well as 5% of the cash advance quantity, and balance transfers cost 3% of the amount transferred. Foreign transactions cost 3% of the transaction amount. The Barclays Upromise credit card has a variable APR that ranges from 15.24% to 25.24%, depending on the creditworthiness of the applicant and the current market conditions. As mentioned earlier, there is a 0% introductory APR on purchases and balance transfers for the first 15 months, after which the regular APR will apply. It is important to note that missing a payment or going over the credit limit may result in a penalty APR, which is a higher APR that can apply to new transactions.

Customer Service

Barclays offers a variety of options for customers to get in touch with them, including phone, email, and live chat. The company also has a mobile app that allows customers to manage their accounts, make payments, and view transactions. In addition, Barclays has several resources available on its website, including FAQs, account information, and financial tools.

Conclusion

The Barclays Upromise credit card is a good option for those looking to save for their children's education or pay off student loans. The cash-back rewards and 0% introductory APR on purchases and balance transfers can be helpful for those looking to make a large purchase or pay off existing debt. The extended warranty and purchase protection are additional benefits that can provide peace of mind. However, it is essential to note that this card is only available to those with good to excellent credit, so those with less-than-stellar credit may want to consider other options. Overall, the Barclays Upromise credit card is a solid choice for those interested in saving for education expenses or paying off student loans. Still, there may be better fits for those who fall into these categories.

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