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The Lowdown on the Citi Upromise Card

Citibank has partnered with Upromise, Inc. to produce a card that awards cardholders with fabulous rebates that will contribute towards a tax-advantage college savings program.

Hotel Booking
Through this reward program, cardholders get to earn a 1% rebate on general purchases, a 2% rebate on purchases from selected Exxon and Mobil stations, and a massive 10% rebate on selected grocery and drugstore items. Which parent would be able resist this offer? The minor downside is that each card is limited to a maximum of $300 rebates per year for the 1% rebate on general purchases. However, cardholders are allowed to earn unlimited rebates from the 2% savings at Exxon-Mobil and 10% savings from more than 7,000 selected items from grocery stores and drugstores.

You will earn 10% college savings on Upromise participating grocery and drug store items when you a) purchase such items in accordance with any manufacturer contribution requirements, b) use your Citi Upromise World MasterCard to make such purchase at Upromise participating grocery and drug stores and c) use a grocery or drug store loyalty card registered in your Upromise account at checkout if the participating grocery or drug store offers a loyalty card. Please note that your Citi Upromise World MasterCard and your grocery and drug store loyalty cards must be registered in the same Upromise account.

Travel Agency
The Citi Upromise Card has no annual fees but instead comes with a long-term introductory period of twelve-months where no interest is charged for purchases and balance transfers. Once this period is over, the still reasonably low regular APR kicks in. Nonetheless, this card imposes a minimum interest rate of 19.99% for cash advances regardless of how low the Prime Rate may drop.

The 1% college savings from Citi that are shown on your Citi Upromise World MasterCard statement each month will be displayed in your Upromise account as "pending" within 5 business days of your Citi statement closing date. In general, you should see your 1% Citi college savings move from a pending status in your account within 45 days from the statement closing date on your Citi credit card bill. The 10% Citi contributions will not be shown on your Citi Upromise World MasterCard statement. However, you will be able to view this information in the Account Details section of your Upromise account within 60 days of the eligible purchase transaction. If you ever have any questions about the 1% Citi college savings you earned, 5114. If you have questions about the 10% Citi contributions you earned, 3809.

Cheap Hotel
Additionally, cardholders are also entitled to common platinum card benefits such as $1,000,000 in travel accident insurance, auto rental insurance and various other benefits that are usually associated with a platinum card. Moreover, there are also many other discounts offered to students for various products and services at participating merchants and retailers. On top of that, cardholders are eligible for more savings if they make purchases with other participating companies of the Upromise college savings program.

Booking destination activities is a separate transaction to your flights, hotels or other bookings on this site. When you have chosen your selected travel product, a booking form automatically appears, please enter your credit card details as requested. Once you submit your booking and the product becomes confirmed, your credit card is automatically changed. Your statement will show Viator as the merchant.

Flight Booking
With the exception of the APR minimum rate on cash advances, the Citi Upromise Card is a well-designed card. Individuals, who plan to participate in the college savings plan and simultaneously take advantage of the long introductory period, shall benefit the most from utilizing the Citi Upromise Card.

  • Shop online at 550+ online retailers, or dine at over 8, 000 participating restaurants.
  • Make everyday purchases at 23, 000 participating grocery and drug stores.
  • Earn college savings faster with the Citi® Upromise® World MasterCard®. [3]
  • Earn a percentage back from booking your travel at Upromise.com—by air, land or sea!
  • Invite family and friends to join and link their account to yours for even more rewards.

Travel Agent
For more information or to apply for the Citi Upromise Card, Eric Wasselman recommends Find Credit Cards.

While there are some below par travel agents out there, sources such as Tripology are great outlets to go to find reliable specialized travel agents that will match your needs. 10. Travel Agents Can Only Book My Flight and Hotel Travel agents can arrange car service, personalized tours and activities, in addition to all the basic travel services they provide. They are also excellent sources of information concerning good restaurants, good sites to see, and tips on what to pack.

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