Uphold Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Uphold Card 3.0/5 self_custodialboth	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	3.0/5	4.5/5
Fees
Monthly Fee	—	Free (all tiers)
Issuance Fee	See card_tiers	See card_tiers
Rewards
Max Cashback	1%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
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	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
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	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending