UPromise — $100 Sign-Up Bonus (2026 Review)
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- Minimum spend: $500 within 3 months of account opening
- Availability: Nationwide
- Annual fee: $0
The 6/24 patternUnconfirmedBarclays is reported to decline applicants with six or more new cards from any bank in the past 24 months.
This mirrors Chase's 5/24, but every current source calls it soft and inconsistently applied rather than a rule. Approvals above the threshold do happen, and an existing Barclays card or banking relationship is often said to help. Barclays has published nothing establishing it, so treat it as a risk factor rather than a wall.
You must not have held the account beforeUnconfirmedpersonal cardsBarclays bonuses are usually limited to people who do not have, and have not previously had, an account in that program.
The terms quoted for the JetBlue and AAdvantage Aviator cards restrict the bonus to applicants who do not currently have and have not previously had an account in that loyalty program, with no reset window written into the contract text itself. A rough 24-month re-eligibility figure circulates, built from reported approvals rather than from the terms. We saw that terms language through search results rather than on the terms page itself, so read the fine print on the specific card.
About one new card every 6 monthsUnconfirmedpersonal cardsBarclays is reported to approve at most one new personal card every 6 months.
Described consistently across current guides and in Doctor of Credit's reference table, but derived from reported approvals rather than published by Barclays. As with the 6/24 pattern, an existing relationship with the bank is often said to loosen it.
Rewards Earning
Key Benefits
- No annual fee
- 1.529% cash back when linked to an eligible Upromise account
- No Foreign Transaction Fees
Overview
The UPromise is currently offering $100 after $500 in purchases within 3 months. There's no annual fee, which makes the $100 bonus close to pure profit if you can hit the spend organically. Estimated net year-one value: $100 — the bonus is cash back, valued at face.
Pros
Cons
Notes
To hit the $500 requirement in 3 months, you need about $167 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the UPromise until you've earned the $100 bonus. Mind your issuer rules: check the issuer's velocity rules before applying. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
How This Compares
Within Barclays's personal lineup, the closest comparison is the Barclays JetBlue Plus (75,000 JetBlue TrueBlue after $1,000/3mo, $99 AF). The UPromise is the right pick when you value a clean no-AF SUB and don't need the elevated category bonuses of the fee-bearing card.
Frequently Asked Questions
What's the current UPromise sign-up bonus?
The current bonus is $100 after spending $500 on purchases within 3 months of account opening.
What's the UPromise annual fee?
There is no annual fee on the UPromise.
How long does the UPromise sign-up bonus take to post?
Once you cross the $500 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on September 26, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.