Latest reviews about Citi - Upromise Platinum Select Mastercard

Vyjayanth says "it tuly serves" about Citi - Upromise Platinum Select Mastercard

Vyjayanth — Fri, 04 Sep 2009 02:13:35 GMT

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pulelehua71 says "unless you're a shopaholic it's a NO" about Citi - Upromise Platinum Select Mastercard

pulelehua71 — Tue, 25 Aug 2009 21:31:14 GMT

The amount U-promise takes out and puts into savings from your card is so minimal it will be worth almost nothing by the time your child starts college. Inflation and your spending habits affect the outcome greatly. I've been using this for over 10 years and still there's only 10 dollars in my child's savings. Even looking specifically for the upromise labelled goods which are almost never on sale or the best valued items. It would be better to set up a savings account, maybe with Gerber life, and put in 5-10 dollars out of every paycheck until they are college ready. It's free but a waste of time.

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glitzygram says "One great way for all family & friends to help save for college" about Citi - Upromise Platinum Select Mastercard

glitzygram — Tue, 25 Aug 2009 19:08:31 GMT

U Promise is a really great way to help your grandchildren with college. if you have more than one, you can allott a percentage to each grandchild as you choose.

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jmj1987 says "Hate This Card!" about Citi - Upromise Platinum Select Mastercard

jmj1987 — Tue, 13 Jan 2009 05:49:41 GMT

Was supposed to be putting money towards student loans. had this card maxed out and only raised $12 for my loans....

niner says "My kid is getting some college paid for by using it!" about Citi - Upromise Platinum Select Mastercard

niner — Tue, 25 Nov 2008 23:41:56 GMT

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treelouie says "The frequent "date due" changes are designed to make you "late."" about Citi - Upromise Platinum Select Mastercard

treelouie — Sat, 01 Nov 2008 08:23:45 GMT

Their fees are exhorbitant, and they play A LOT of games with the due date. Check it EVERY SINGLE MONTH. Once you've been late once, they jack your rates sky high. They are far and away the worst creditor I've had to deal with yet....

jenkennedy says "A great card, and it will help benefit my kids someday." about Citi - Upromise Platinum Select Mastercard

jenkennedy — Fri, 17 Oct 2008 14:13:09 GMT

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my-viewpoints says "As credit cards go, upromise is mediocre." about Citi - Upromise Platinum Select Mastercard

my-viewpoints — Mon, 04 Aug 2008 03:39:44 GMT

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

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mindyvol says "Upromise Mastercard - Just say NO!" about Citi - Upromise Platinum Select Mastercard

mindyvol — Wed, 09 Jul 2008 21:46:16 GMT

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 Platinum Select MasterCard is not worth obtaining nor using. There are many more reward credit cards out there with better benefits.

I've had this card for three years and have earned exactly $133.49 in my Upromise account. That doesn't include the whopping $1.64 that I earned this month on my $164.44 balance.

I'm all about FREE money (see my review on the Upromise program), but paying a lot of money to receive very little money is not what I had in mind. If you do the math above, you can figure out that I spent over $13,000 to earn a paltry $133.49 that went into my Upromise account. If you think that's a great return, I have some land at the North Pole to sell to you.

I have a good-sized credit line,...

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JazzSinger says "The card of the future." about Citi - Upromise Platinum Select Mastercard

JazzSinger — Sun, 01 Jun 2008 01:31:06 GMT

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 for rewards credit cards. I wouldn't recommend a rewards credit card for people who keep any kind of significant balance on their cards.

One really awesome feature available to account holders through the card's web site is a program called Virtual Account Numbers. This program works for any transaction that does not require you to actually show the card to someone (Internet/telephone). It generates a "virtual" account number that is different from the actual number on your card, but will work when you use it. You can even put a limit on that number so that you cannot be overcharged. This feature alone is reason enough to get the card.

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muffyrod says "A card that helps pay off school loans is a great idea." about Citi - Upromise Platinum Select Mastercard

muffyrod — Tue, 18 Mar 2008 18:29:27 GMT

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

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DonnaLee says "Citibank Upromise Visa - a fast and easy way to save for college" about Citi - Upromise Platinum Select Mastercard

DonnaLee — Sun, 23 Dec 2007 14:55:33 GMT

The Upromise Citibank Visa is a good way to save for college. By using the Upromise Citibank Visa money is deposited into an account that can be used to pay college tuition and other related college costs. There are hundreds of businesses and services that are affiliated with the Upromise Citibank Visa which it makes it easy to save. I use my Upromise CitiBank Visa exclusively so that I can build a college fund for my children....

dawnpeets says "Spend money and get money toward a college education" about Citi - Upromise Platinum Select Mastercard

dawnpeets — Thu, 29 Nov 2007 08:24:19 GMT

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 rewards....

mkrossman says "Great way to earn money towards your children's education." about Citi - Upromise Platinum Select Mastercard

mkrossman — Mon, 26 Nov 2007 22:09:59 GMT

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 not used these features yet, but it is nice to know they are out there if I ever want to take advantage of them.

Overall I have not had any real problems with this card and so far have saved a good amount for my children's education.

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xtine says "Earned $1000 so far for college just using it for gas and food" about Citi - Upromise Platinum Select Mastercard

xtine — Mon, 26 Nov 2007 20:14:57 GMT

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 you may want to ask your tax advisor. There is no annual fee for the credit card and if you don't need a college fund it can be transfered to a friend's or other family members account.

There is also Citi Upromise World card for people who put alot of money of credit cards. It has no limit of earnings per year.

I highly recommend using it in place of a check card but budgeting the money so you can pay it off every month. Otherwise...

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