Citi - Upromise Platinum Select Mastercard Reviews

Overall

3.56 of 5 (by 9 users)

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Citi - Upromise Platinum Select Mastercard Review Summary

Saving for college takes time and money and one credit card designed to aid in the savings process is Citibank Upromise MasterCard, a credit card that adds money to your Upromise savings account for future education expenses. Citibank Upromise MasterCard is easy to use and charges no annual fee, making it a “Great Way to Earn Money Towards Your Children’s Education”. There are only a few drawbacks to using the Citibank Upromise MasterCard, namely the fact that there is a set limit on annual rewards and also the fact that you have to remember to use it whenever possible and then pay off the balance as soon as possible to avoid interest. But with a little discipline, the Citibank Upromise MasterCard can be a very good Credit Card to own and it can help parents reach their educational financial goals more quickly.

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Citi - Upromise Platinum Select Mastercard Comparison

Most Helpful
Favorable Review

The card of the future.

MAY

2008

Upromise is a great program, and this card will certainly help you towards saving money in that program. The bonus you get for gas and groceries is nice, although that comes from buying certain brands/products. Yes, the interest rate is a bit high, but that is typically the case… read full review »

don't carry a balance, an aggressive saver

JazzSinger
Lafayette, LA

Most Helpful
Critical Review

Upromise Mastercard - Just say NO!

JUL

2008

Why oh why do I still have this credit card? I ask myself that often and don't have a very good answer other than I don't want the hassle of changing it because it's linked to my Exxon/Mobil Speedpass. While I really love the Upromise program, I think that the Citi Upromise… read full review »

an moderate investor, value conscious

mindyvol
Garden City, MI

Citi - Upromise Platinum Select Mastercard Ratings and Reviews

items/page: 15 | 30 | 50 displaying 1 to 7 of 9 sort by: most helpful | date | rating

Earned $1000 so far for college just using it for gas and food

free gift card rewards junkie, don't carry a balance, interest conscious, an online shopper, researcher, always looking for ways to save, appreciative of good service, pay my cc bill off each month

NOV

2007

I started using my citi right away for gas intead of my previous card. I used it for groceries and some other shopping. I eventually signed up for the 529 with a min contribution of $250. It was a one time contribution or you could set up a monthly contribution. — When my upromise account statement comes I love looking at the transactions posted to my account because there is always something going into my college fund. It has now earned over $1000 since I first joined. Please read info on it before joining because there are fees associated with the 529 and… read full review »

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xtine
Annapolis, MD

Great way to earn money towards your children's education.

always looking for ways to save, into finding great deals online, Responsible Honest Citizen

NOV

2007

Have used the Citi Upromise Platinum Select Mastercard for the last 2 years and I still love it. I am able to save 1% of my purchases in my Upromise account for my children's education. There is no annual fee, but the APR is a bit higher than some of my other credit cards. The payment due date also changes, which can be a hassel. The website makes it easy to make payments online and keep track of your account. Another great feature is that you can add your picture to the card and get online security account numbers to use when shopping online. I have… read full review »

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mkrossman
Avon, MN

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Spend money and get money toward a college education

expecting good, fair service, a homeowner, want's good service, a busy person, always looking for ways to save, appreciative of good service, not rich, online banker

NOV

2007

I signed up for the Upromise Citicard to increase the amount of money I can contribute toward my daughter's college education. She's only 10 but you can never start too early. This card is terrific. They follow through with their promises. I added over $135 the first year to her NYS529 plan. Like all credit cards, it's a smart idea to pay the balance off each month. After all, with this card, the more you have available the more you can spend and the more you can earn… read full review »

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dawnpeets
Greenwich, NY

Great way to save for college!

online banker, an online shopper, Responsible Honest Citizen, a pet owner, I believe in honesty, pay my cc bill off each month, not rich, always looking for ways to save

NOV

2007

Upromise is a great way to save for college, instead of the cheesy rewards that most cc companies offer, or the 1% cash back that you know you'll spend before you save, the 1% reward that you get goes directly to your child's 529 account. You can also shop through the links on their website for additional savings. For instance, I love Gap, and by shopping through the link on Upromise I get 2% additional savings! All in all, if you can remember to use it it's a great way to… read full review »

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viviaNN
San Gabriel, CA

A little less guilt shopping

always looking for ways to save, pay my cc bill off each month, not rich

NOV

2007

I have had this credit card since my son was born in 2000. I have about $1500 in college savings - which may not seem like a lot, but when you are living paycheck to paycheck ANYTHING you but away feels good. I like citibank as I feel secure with them ... any problems I have had has been resolved very satisfactorily. The interest rate is higher than I would like, but it is really not too much of a problem so long as you can pay your bill every month. —… read full review »

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TrishaAHD
Port Jefferson Station, NY

As credit cards go, upromise is mediocre.

an moderate investor

AUG

2008

Upromise Credit Card. — cons: short time to meet balance due date (less than 20 days); cust service not helpful in removing late fee when only day late; charges high fee to `maintain' 529 plan; low maximum amount allowed per year; minimal amount that you actually `get back' — pros: 529 plan; some vendors give good points —… read full review »

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my-viewpoints
Pewaukee, WI

A card that helps pay off school loans is a great idea.

a bargain hunter

MAR

2008

I use my UPromise card for most of my purchases. I wish a larger percent of my purchases was going toward the school loan, but any amount is good. I am going to make the charges anyway, so I might as well have a card that will help pay down the school loan. — Mary —… read full review »

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muffyrod
Golden, CO

Citi - Upromise Platinum Select Mastercard Reviews

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Citi - Upromise Platinum Select Mastercard Ratings and Reviews

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