Name Fidelity Rewards American Express Upromise World MasterCard
(Gas and Grocery Rewards)		 Upromise World MasterCard
(Dining and Grocery Rewards)
Introductory Offer 0% Introductory APR for the first 7 statement Closing Dates $25 into a Upromise account after first qualifying transaction $25 into a Upromise account after first qualifying transaction
APR 13.99% 12.99%-20.99%, based on your creditworthiness when you open your account 12.99%-20.99%, based on your creditworthiness when you open your account
Grace Period 25 days 25 days 25 days
Annual Fee None None None
Rewards 2% on all purchases 1% on all purchases; 10% on qualifying grocery/drug store items; and 2% on gas purchases from Exxon or Mobile 1% on all purchases; 10% on qualifying grocery/drug store items; and 10% at participating restaurants
Reward Limits There are no caps to the amount of points you can earn or redeem The college savings that you can earn are unlimited in amount The college savings that you can earn are unlimited in amount
Bonus Rewards None Purchases from Upromise participating companies can earn between 1% and 25% of the purchase price Purchases from Upromise participating companies can earn between 1% and 25% of the purchase price
Options Rewards may also be put into retirement or brokerage accounts Rewards may also be used to pay off Sallie Mae student loans or taken as cash. Rewards may also be used to pay off Sallie Mae student loans or taken as cash.
Limitations Must be invested in a Fidelity 529 account For rewards to be automatically swept into 529 or student loan accounts, users must have accounts with either Sallie Mae or Upromise For rewards to be automatically swept into 529 or student loan accounts, users must have accounts with either Sallie Mae or Upromise
Link to Terms Details of Rate, Fee, and Other Cost Information Details of Rate, Fee, and Other Cost Information Details of Rate, Fee, and Other Cost Information
Link to Card Page Fidelity Rewards American Express® Cards The Upromise® World MasterCard® credit card with Gas & Grocery Rewards The Upromise® World MasterCard® credit card with Dining & Grocery Rewards
Link to Program Guidelines Fidelity Rewards Guidelines Upromise® World MasterCard® Guidelines Upromise® World MasterCard® Guidelines