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debit Card•
Uphold Card
by Uphold
A region-specific crypto debit card. US users get a Visa with high XRP rewards (up to 6% intro) and a metal option ($99/yr). UK users get a Mastercard with flat 1% GBP cashback. Restricted availability excludes EU and specific US states (NY, LA).
UPHOLD CARD
Uphold
Cashback
Up to 6%
Annual Fee
Free
FX Fee
None
Staking
None
6%
Max Cashback
Paid in GBP, XRP
$0
Annual Fee
0
Premium Perks
Available Regions
Unique Features
- US Elite tier offers one of the highest crypto reward caps ($300/mo)
- Direct commodity (Gold/Silver) spending supported
Pros
- High XRP rewards rates for US users
- No foreign transaction fees (UK & US Elite)
- Metal card available (US Elite)
- Spend crypto directly (auto-conversion)
Cons
- US Essential tier charges FX fees (1.5%)
- UK rewards limited to GBP-funding only
- Not available in NY, LA, or EEA
- Physical card fees apply (£9.95 / $4.99) unless Elite
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
IBAN: Card is linked to Uphold wallet balance; no unique personal bank account number (IBAN/Routing) provided for the card itself.
AvailableExcludedUnknown
Available In (2)
United KingdomUnited States
Not Available In (1)
New York, Louisiana, and US Territoriesr
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
Issuance$5
ShippingFree
Replacement$5
Tier Comparison
UK Standard
1% CashbackStake Required
Free
Issuance Fee
$10
Replacement Fee
$10
FX Fee
0% FX
ATM Fee
£2.50 (UK) / £3.50 (Intl)
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance Fee$5
Shipping FeeFree
Replacement Fee$5
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
Crypto Capabilities
Security & Custody
Custody ModelCustodial
Wallet TypeMPC
InfrastructureProprietary
Supported Assets
Chains
Tokens
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
No specific perks listed for this card.
Rewards Program DetailsUS: Pays in XRP. Intro rate 4% (Essential) or 6% (Elite) for first 90 days; reverts to 2% / 3%. Caps: $120 or $300/mo. UK: Pays in GBP. Flat 1%. Cap: £100/mo.
Payout Frequency
US: Within 10 business days. UK: Within 15 days of following month.
Exclusions
US: Cash-like transactions (ATM, money orders). UK: Non-GBP funded purchases (spending crypto directly yields 0% reward in UK).
