Navigating Upromise Rewards!

How do I earn rewards through Upromise?
There are multiple ways to earn valuable rewards through Upromise:

  • Upromise Mastercard – As a Upromise Mastercard cardmember, you can earn 1.529% cash back rewards on purchases when your Upromise Program account is linked to an eligible College Savings Plan, or 1.25% cash back rewards on purchases if your Upromise Program account is not linked. Upromise Round Up lets you round up your purchases to the nearest dollar, based on the limit you set. The total Round Up Amount is considered a purchase and converted to cash back rewards. Apply Now
  • Online Shopping – Shop through the Upromise online shopping mall and earn cash-back rewards from hundreds of online retailers.  Log in to Shop Now
  • Restaurants – Earn 2.5% cash-back rewards on your total meal cost, including drinks, tax and tip, using your registered credit and/or debit cards (increased to 5% if you pay with a Upromise Mastercard) at approximately 10,000 restaurants nationwide. To register your credit and/or debit card(s) navigate to your Profile, click <Add A Card> and input the requested information, and then click <Save>. Then use the restaurant search link to find participating restaurants near you and enjoy!

Upromise is constantly exploring new ways for our members to earn valuable rewards towards their college saving goals, including additional ways to earn rewards while using their credit and/or debit cards or engaging in everyday activities.

When will I receive my rewards from eligible purchases?

Upromise will display Pending Rewards in your account as soon as we receive notification from the merchant or partner with whom you completed an eligible purchase.  For eligible online shopping and restaurant dining transactions, this will typically happen within 7 business days of your transaction date.  For Upromise Mastercard rewards, this will typically happen within 15 days after the end of your credit card billing cycle.  Travel purchases will typically appear as pending rewards within 7 business days of booking date, however your rewards won’t be available for redemption until after trip.  However, the time it takes for pending rewards to appear on your Upromise account may vary over time and by merchant or partner.

It can take up to 75 additional days for Pending Rewards to become Earned Rewards in your Upromise account.  This timing can be influenced by purchase or transaction dates.

You can see all of your Pending Rewards and Earned Rewards on the Rewards page of your Upromise account. Or you can navigate to your Rewards page by clicking the <See Your Earnings> button in your account dropdown. The Rewards page also displays the last three years of transaction detail on your account. You can filter by earn or transfer categories, search for specific transactions, or enter specific date ranges when viewing your transaction details. We also provide an annual summary graph for older transactions to track your progress over the years.