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Offer subject to credit approval. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you. This offer is available to new Cardmembers only. For information about rates, fees, other costs, the reward program rules (including cash back accrual rate, cash back awards, etc.) and benefits associated with the use of the credit card program, please see the Terms & Conditions. By applying for the card, you will be identifying yourself to Barclaycard as a Upromise member and/or visitor to Upromise.com who is eligible for this offer.

The 2.5% cash back at Upromise Restaurants is offered by the Upromise Restaurants Program administered by Rewards Network Establishment Services Inc. and can be earned when you make a qualified dine at a participating restaurant in the Upromise Restaurants Program in accordance with the Upromise Restaurants Program Terms and Conditions and restaurant restrictions, if applicable. For more information, visit www.upromise.com/dining.

The 10% cash back offer is earned by using the Upromise Mastercard and is made up of the following percentages: 1. The 5% dining cash back you can earn by using your Upromise Mastercard at participating Upromise Restaurants (consists of 1% base cash back and 4% bonus cash back on eligible Net Purchases). 2. The 5% cash back at Upromise Restaurants is offered by the Upromise Restaurants Program administered by Rewards Network Establishment Services, Inc. and can be earned when you make a qualified dine at a participating restaurant in the Upromise Restaurants Program, using the Upromise Mastercard, in accordance with the Upromise Restaurants Program Terms and Conditions and restaurant restrictions, if applicable. For more information, visit www.upromise.com/dining.

The Upromise Mastercard is issued by Barclays Bank Delaware (Barclaycard) pursuant to a license by Mastercard International Incorporated. Mastercard and World Mastercard are registered trademarks of Mastercard International Incorporated.

Terms and conditions apply to the Upromise service. Participating companies, contribution levels and terms and conditions are subject to change at any time without notice. Go to Upromise.com to learn more.

© Upromise, Inc. All rights reserved. Upromise, the Upromise logo, and other Upromise names and logos are service marks or registered service marks of Upromise, Inc. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners.

SLM Corporation and its subsidiaries, including Upromise Inc., are not sponsored by or agencies of the United States of America.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK UPROMISE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.