Custodial Visa/Mastercard debit card spending 300+ assets with real-time point-of-sale conversion.
The Uphold Card is a crypto-enabled debit card for spending a wide range of digital assets, including cryptocurrencies, fiat currencies, and precious metals, directly from an Uphold wallet. It offers real-time conversion at the point of sale at merchants that accept Visa (US) or Mastercard (UK).
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Multi-asset investors spending 300+ assets without manual conversion.
You live outside the US/UK or prefer non-custodial solutions.
The Uphold Card is a prepaid debit card that enables users to spend directly from their multi-asset Uphold portfolio, supporting over 300 digital assets alongside traditional currencies and precious metals. It is available as a Visa in the US and a Mastercard in the UK, with both virtual and physical options. The key feature is the ability to spend from over 300 assets with instant conversion at the time of purchase. It is available to US and UK residents only, with some regional restrictions.
Uphold Card fees are tiered. The US Elite tier has a $99.99 annual fee but no foreign transaction or ATM withdrawal fees. The US Essential tier is free but charges a $4.99 physical card fee, a $1.50 flat fee for foreign transactions, and a $2.95 ATM withdrawal fee. The UK Standard tier is free but has a £9.95 physical card fee and ATM fees of £2.50 (UK/EU) or £3.50 (International). Conversion spreads apply to all tiers, ranging from <0.25% for stablecoins to 3.10% for altcoins.
Spend directly from a portfolio of over 300 digital assets, including crypto, fiat, and precious metals, with real-time conversion at the point of sale. The card is available in both virtual and physical formats (metal for US Elite). It supports Apple Pay and Google Pay in both the US and UK. The US Elite tier includes zero foreign transaction fees. Spending limits are tiered, with the US Elite tier allowing up to $25,000 in daily purchases.
US tiers offer promotional XRP cashback for the first 90 days (6% for Elite, 4% for Essential), which then drops to ongoing rates of 3% and 2% respectively. Cashback is capped monthly at $300 (Elite) and $120 (Essential). In the UK, a promotional 1% cashback in GBP is offered on GBP-funded purchases, capped at £100 per month. A separate US direct deposit promotion offers 6% XRP rewards. No staking is required for any rewards.
| Tier | Rate | Up to |
|---|---|---|
| US Elite | 3% | — |
| US Essential | 2% | — |
| UK Standard | 1% | — |
Available in 2 countries (US and UK only). Restricted in 51 countries. US excludes Louisiana, New York, and all US territories (Puerto Rico, Guam, US Virgin Islands, American Samoa). UK excludes Crown Dependencies (Jersey, Guernsey, Isle of Man) and British Overseas Territories.
1-2 business days for most transfers
Risk note. If Uphold ceases operations, users may lose access to funds. The service introduces counterparty risk.
Funding Methods: ACH, domestic wire, SEPA, Faster Payments, SWIFT. Instant Options: Visa Fast Funds for withdrawals to external debit cards. Business Accounts available with API access for enterprise integrations.
Mobile app has 4+ star ratings per source. No public user ratings available yet per verdict section.
Crypto enthusiasts who want to spend digital assets without manual conversion, international travelers needing zero foreign transaction fees, multi-asset investors holding diverse portfolios including crypto, fiat, and precious metals, and cashback seekers who prefer crypto rewards without staking requirements.
Uphold Card distinguishes itself as the most versatile crypto debit card available, supporting an unmatched range of 300+ digital assets, precious metals, and fiat currencies with seamless real-time conversion. Its competitive cashback rates up to 10% XRP (combining card spend and direct deposit rewards) without staking requirements make crypto rewards accessible to mainstream users, while zero foreign transaction fees benefit international spenders. However, the card's appeal is significantly limited by its restricted availability to only US and UK residents (with further exclusions), time-limited promotional rates, and variable customer support quality.
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