Uphold Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Uphold Card 3.0/5 self_custodialboth	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	—	No annual fees for base tier
Issuance Fee	See card_tiers	See card_tiers - varies by tier and region
Rewards
Max Cashback	1%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Broadest asset support (300+ digital assets plus precious metals) Competitive cashback rates up to 10% combined (card + direct deposit) without token staking requirements Real-time conversion eliminates pre-funding friction FDIC insurance on USD Fiat Asset Account balances provides security	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Extremely limited geographic availability (US and UK only with further exclusions) Promotional cashback rates are time-limited (90 days for card spend; direct deposit rewards subject to caps and participant limits) Customer support quality inconsistent with slow response times Custodial service introduces counterparty risk	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending