Upromise Reviews 

Using the Upromise Credit Card helps me earn cash to assist in paying student loans for my children.

Very happy with the service and features of Upromise!

Immediate help to replace cards, identified couple fraud transactions.

Easy and safe way to save for college and related expenses! Just keeps adding up and help out with savings!

Love the benefits. Super easy. I tell everyone about it.

I have used this for years. Initially, they sent checks when you asked. A few years ago, they began sending to my account. This all works like it should.

However, I only have 1 interaction with I guess would be customer service and it was horrid. For some reason, the money was no longer flowing to my account. The customer service person said i had to fix it but gave me no indication on what the issue was. This had worked for several years and then stopped. They were not able to give me any help to resolve this. I eventually used a different account in order to make it work.

Three months in a row they have indicated via email, I’ve met the threshold to have funds move to my child’s linked and verified 529 account, and they have not done it. The emails indicate no further action is required of me for the transfer to occur. There is no real way to contact them either as the contact page just takes you to a q&a section. I’ve confirmed my account and have well over the amount to transfer. By delaying this, they are steeling money from my son’s future. It’s not being invested in his 529 as it should. Unless they fix this ASAP, I’m convinced this is just a scam website.

I've been trying to add a second savings account to my linked accounts. For the 3rd or 4th time the second account has not been successfully linked.

I've been using Upromise since the very beginning, nearly 2 decades now. I've earned around $12,000. And it's not even a requirement that you use it for college. All mine has gone into a travel account and then has let me take a few vacations! So glad I started many years ago. The key is the Upromise credit card.

Since being a member for over 25 years, I have added several hundred dollars into my account without having to do anything more than add my U-promise card to my main credit card. This has also given me the opportunity to have extra unexpected savings.

No fees. Excellent assistance when calling. Good at warning there may be an unauthorized charge. Rewards every month. Notifications for every charge in a timely fashion.

I have had a Barclay’s UPromise MC for 15+ years and have not been able to access my 529 cash back rewards since 2023, or submit an online ticket (that portal is broken), or access a human. Note that the phone number below is cut off and any published number I have found is a recording. (I did start a claim at Barclays but that is another round of customer service sludge so far.) In my experience, UPromise practices are consumer unfriendly at best and predatory at worst so I wanted to warn others who are simply trying to save a little more for college. Look elsewhere.

Note: I am adding to this review based on the response I received here on Trust Pilot. I did start a ticket twice; the first rec’d no response and the 2nd rec’d a “we’re working on it” but nothing further.

My issue is the most basic possible issue—I cannot access my account. The recommendations below does not work because I started the account in 2009 with an email I no longer have access to. In fact, it was started with a username, not an email, and the system has changed since then. I have already shared this info with UPromise.

I have requested a simple human phone call which I trust could resolve this problem in minutes. However, with UPromise sitting on the cash rewards in their account, there is no incentive for them to do anything. Hence, this review and upcoming conversation with a consumer protections attorney as I suspect I am not the only person with this kind of issue. It should not be this difficult to get a person to simply get me re-linked to the account where several years of cash-back rewards exist. Why they are in this mystery account instead of automatically going to the 529 plan as they had for 14 years prior is another issue.

Program has dramatically improved in the last half dozen years.

Excellent service, committed and professional staff.

Got some good
cash back at Sam’s but had to wait 6 months to get it. We bought two beds with foundations

Upromise's website is easliy navigated. I am able to quickly review my accounts and rewards.

Saving programs have been better, now just a few left

I got the transferred funds, which is great, but you send WAY too many e-mails to me. I don't need to be pestered!