I decided to take advantage of the opportunity to save for college while my kids are still young. Initially, I didn't think I'd be approved. The good things about the Upromise Platinum Card is that the grocery stores and other drug stores offer a higher cash back rate. As far as the cash back from other purchases like regular stores and gas though, are hardly worth the effort. They do add up over an extended amount of time. I guess it depends on how much you use the card. I have learned that the best way to go for my family is to use the card for everything possible and then pay the balance in full at the beginning of the next billing cycle. That way I earn way more than I end up paying in fees. This credit card is all about knowing how and when to use it and of course, not building up a major balance that you can not pay off. It's definitely worth getting and it's best to make your move while your children are still young so you can have even more peace of mind when college time rolls around.