Upromise (upromise.com) has a 4.2 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 76% of reviews are 4 stars or higher and 11% are 1 star; The business has replied to 93% of negative reviews. Last updated 2026-08-10.
Thanks for sharing your feedback. We’re glad to hear your experience has been okay, and we’d love the chance to make it even better. If there’s anything specific you feel could be improved — whether it’s surveys, rewards, or your Activity Ledger — please let us know.
If you need help with your account or have questions about earning or redeeming rewards, our support team is always available at upromise.com/help.
We appreciate you being part of Upromise.
R
Rob Jones · 6 reviews · Verified · Experienced 2026-07-09 ·
★★★★★
Very happy with the service and…
Very happy with the service and features of Upromise!
I have used this for years. Initially, they sent checks when you asked. A few years ago, they began sending to my account. This all works like it should.
However, I only have 1 interaction with I guess would be customer service and it was horrid. For some reason, the money was no longer flowing to my account. The customer service person said i had to fix it but gave me no indication on what the issue was. This had worked for several years and then stopped. They were not able to give me any help to resolve this. I eventually used a different account in order to make it work.
Reply from Upromise2026-07-22
Thank you for being a long‑time Upromise member — we truly appreciate your loyalty over the years. We’re glad to hear your earnings and deposits have generally worked as expected, but we’re sorry your recent interaction with customer service didn’t provide the clarity you needed. That’s not the experience we want for any member.
If your deposits stopped flowing to your account, our team should have helped identify the cause and walked you through the fix. We apologize that this didn’t happen. If you’re still having trouble or want us to review your current setup, please submit a ticket by visiting upromise.com/help so we can securely look into your account and provide clear steps.
We appreciate your feedback and hope we can make your experience smoother moving forward.
Three months in a row they have indicated via email, I’ve met the threshold to have funds move to my child’s linked and verified 529 account, and they have not done it. The emails indicate no further action is required of me for the transfer to occur. There is no real way to contact them either as the contact page just takes you to a q&a section. I’ve confirmed my account and have well over the amount to transfer. By delaying this, they are steeling money from my son’s future. It’s not being invested in his 529 as it should. Unless they fix this ASAP, I’m convinced this is just a scam website.
Reply from Upromise2026-07-22
Thank you for sharing your experience. We understand how important it is for your Earned Rewards to be deposited into your child’s 529 account on time, and we’re sorry for the frustration these delays have caused.
Please review the linked accounts on your Upromise profile to ensure they are active, verified, and that all account information is accurate. You can do this by going to the Profile page of your Upromise account and clicking the Manage link in the Linked Accounts section.
Additionally, check the minimum transfer requirement listed on your Profile page. This is the amount of Earned Rewards you’ll need in your Upromise account before we attempt to automatically transfer your rewards during the next monthly transfer cycle.
If your account is verified and you’ve met the minimum threshold but transfers still aren’t occurring, please submit a ticket by visiting upromise.com/help so our support team can securely review your account and provide step‑by‑step guidance.
We value your feedback and want to ensure your rewards are successfully invested in your child’s future.
I've been trying to add a second savings account to my linked accounts. For the 3rd or 4th time the second account has not been successfully linked.
Reply from Upromise2026-07-24
Thank you for sharing your feedback. We’re sorry to hear about the trouble you’ve had linking a second savings account.
To ensure your rewards transfer correctly, please review the linked accounts section of your Upromise profile. Each account must be active, verified, and have accurate information before it can be successfully added.
If the second account still isn’t linking after multiple attempts, we recommend visiting the Profile page of your account and clicking the Manage link in the Linked Accounts section. From there, you can confirm the account details and retry the verification process.
For further assistance, please submit a ticket by visiting upromise.com/help, so our support team can securely review your setup and guide you step‑by‑step.
We appreciate your patience and value your participation in the program.
S
Sarah B · 1 review · Verified · Experienced 2026-07-09 ·
★★★★★
I've been using Upromise since the very…
I've been using Upromise since the very beginning, nearly 2 decades now. I've earned around $12,000. And it's not even a requirement that you use it for college. All mine has gone into a travel account and then has let me take a few vacations! So glad I started many years ago. The key is the Upromise credit card.
Since being a member for over 25 years, I have added several hundred dollars into my account without having to do anything more than add my U-promise card to my main credit card. This has also given me the opportunity to have extra unexpected savings.
No fees. Excellent assistance when calling. Good at warning there may be an unauthorized charge. Rewards every month. Notifications for every charge in a timely fashion.
J
Jennifer Rezeli · 2 reviews · Experienced 2026-07-08 ·
★★★★★
0 stars
I have had a Barclay’s UPromise MC for 15+ years and have not been able to access my 529 cash back rewards since 2023, or submit an online ticket (that portal is broken), or access a human. Note that the phone number below is cut off and any published number I have found is a recording. (I did start a claim at Barclays but that is another round of customer service sludge so far.) In my experience, UPromise practices are consumer unfriendly at best and predatory at worst so I wanted to warn others who are simply trying to save a little more for college. Look elsewhere.
Note: I am adding to this review based on the response I received here on Trust Pilot. I did start a ticket twice; the first rec’d no response and the 2nd rec’d a “we’re working on it” but nothing further.
My issue is the most basic possible issue—I cannot access my account. The recommendations below does not work because I started the account in 2009 with an email I no longer have access to. In fact, it was started with a username, not an email, and the system has changed since then. I have already shared this info with UPromise.
I have requested a simple human phone call which I trust could resolve this problem in minutes. However, with UPromise sitting on the cash rewards in their account, there is no incentive for them to do anything. Hence, this review and upcoming conversation with a consumer protections attorney as I suspect I am not the only person with this kind of issue. It should not be this difficult to get a person to simply get me re-linked to the account where several years of cash-back rewards exist. Why they are in this mystery account instead of automatically going to the 529 plan as they had for 14 years prior is another issue.
Reply from Upromise2026-07-22
Thank you for being a long‑time Upromise member — we truly appreciate your loyalty over the past 15+ years. We’re sorry to hear about the difficulty you’ve experienced accessing your 529 cashback rewards and connecting with support. That’s not the experience we want for our members.
To ensure your rewards transfer correctly, please review the linked accounts on your Upromise profile. Make sure they are active, verified, and that all account information is accurate. You can do this by going to the Profile page of your Upromise account and clicking the Manage link in the Linked Accounts section.
Also, please check the minimum transfer requirement listed on your Profile page. This is the amount of Earned Rewards you’ll need in your Upromise account before we attempt to automatically transfer your rewards during the next monthly transfer cycle.
If you’re still unable to access your rewards or submit a ticket, please visit upromise.com/help so our support team can securely review your account and provide step‑by‑step guidance.
We value your feedback and hope we can make your experience smoother moving forward.
The more cash rewards I earn, the harder it seems you make it to earn rewards. Some of your Bonus rewards just flat out don't work. Your surveys only work when I use the app with my iPad. They used to work when I used the website, but not anymore.
Reply from Upromise2026-07-15
Thank you for taking the time to share this feedback. We’re sorry to hear you’ve been running into issues with Bonus rewards and survey access. That’s not the experience we want for our members.
Survey partners sometimes limit access based on device or browser settings, which can explain why they work on your iPad but not the website. We’d be happy to take a closer look and help get things working consistently again.
Please reach out through your account’s Activity Ledger so our team can review the specific rewards and surveys that didn’t credit properly. We appreciate your patience and your continued participation.
