I have been with UPromise for over two years and have saved over $400. It's little by little, but every little bit helps, and it's "free" money, right? There is no cost to sign up, other than a bit more SPAM, I suppose. You can also have friends/family sign up and they earn money for you too. Just register your frequent shopping cards, bank cards, and credit cards, and UPromise does the rest. Do remember to use your debit card as "credit" (unless you need cash back)... it does not cost you anything extra, is more secure for you (more protection on purchases, just like a credit card), and that is how you will get credit at UPromise (no credits if used as "debit"). I also have the UPromise mastercard. We just didn't need the other rewards programs out there, so we chose this one. I don't know how the APR compares, since we pay off every month, but there are no fees. Hope this helps!