Today I am wanna review upromise credit card ! from their APR it seem they are quite decent Credit card! because their APR are about 14% to 23% for purchases! meanwhile for cash advances their APR are about 25% from their APR I can tell they are better than wallmart , best buy, or average department stores credit cards! and good news is they have a lot of rewards such as cash back $50 after you make purchases with in 90 day! another 5% cash back when you make eligible purchases at upromise site!
Get 5% online shopping and travel cash back, 2% cash back when you purchase something at their department store or movie theater in their network! 1% cash back for other purchases, it mean if you purchase something or some store, that not affiliated with them, still you can get 1% cash back! and the last one is, you can redeem $10 check or more every month!
they have no Intro APR for Purchases, but they have Intro APR for balance transfer for 15 Month! balance transfer fee about 3%! for cash advances fee 5%! no annual fee, late fee about $37 and etc!to be honest with you! from tens credit cards that I review, I think Upromise Credit cards, are slightly better among other credit cards! though, I am not saying Upromise credit card, are the best! because their APR are too average! i.e 14 APR and 25% for purchases! almost same like Citi APR! but , if Upromise credit card reduce their APR from 14% to 10% then I should call them, the rare one! because at this moment only bancafirst that can give APR that almost same like Credit union!
anyway guys, Upromise actually are good cards or at least they offering better APR than any other cards with fair credit! on the other hand, they also offering cash back and other college fund for your kids! we all know if we look into detail actually rewards and cash back are not worth it! though, I have to be honest, other than credit union, most of the time regular credit cards, most them are not worth it if you compare between rewards and APR! because at some point, they have to make profits! Actually rewards and cash back it’s only incentive in order to make you active using their cards! and personally I don’t blame them to do that! after all they have to make profits! 😀
Anyway Guys! this is only a review! don’t take my words! because who knows, I could be make a mistake or missing some information! for detail, you can visit their site!