Costs /yr if you spend A year at $500/mo2% cashback+$120Currency fee−$108Crypto conversion−$54
2% cashback, no monthly fee
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Uphold Debit Card
Tap the card to read the small print
Your first yearCosts about/yr
- Monthly fee · none
- $0
- Cashback · 1%
- /yr
- Currency fee · 1.5%
- /yr
- ATM
- $2.95
- Your money
- Company holds it
- Sign-up
- Uphold account + ID
- Apple / Google Pay
- The card itself
- Free virtual, $4.99 plastic
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For people who hold dollars or stablecoins on Uphold and like being paid back in XRP. Not for you if you often pay in other currencies on the free plan.
Pay in other currencies a lot? Compare with Lava Card
Good to know
- Spend dollars, stablecoins or 300+ assets
- No credit check
- Free virtual card
- Not in Louisiana, New York or US territories
- Rewards paid in XRP
- 2–3.8% spread when the card spends crypto
Fees
SourceUphold Visa Card terms and fee Schedule A (16.09.2025) · checked November 10- Monthly fee
- $0Essential; Elite $99.99 a year
- Physical card
- $4.99Plastic, Essential; Elite metal card free
- Paying abroad
- $1.50 per purchaseEssential; Elite $0. Card page says 1.50%
- Spending crypto
- Uphold service fees and spreads · November 10
- Spread 2–3.8%BTC/ETH 2–2.2%, altcoins 2.45–3.8%; USD stablecoins 0% up to $20,000 a month
- Replacement card
- Uphold help center, earning rewards · November 10
- $4.99Elite: 1 free a year, then $29.99
Plans
Essential$0
- 1% back in XRP, up to $120 a month
- Free virtual card, plastic $4.99
Elite$99.99 / year
- 3% back (4% when paying with crypto or metals), up to $300 a month
- Metal card
- No foreign or ATM fee from Uphold
Limits
SourceUphold Visa Card terms and fee Schedule A (16.09.2025) · checked November 10- Spending
- Uphold help center, managing the card (limits and fees) · November 10
- $2,500 a day, $10,000 a monthEssential; Elite $25,000 / $100,000
- Cash
- $500 a day, $2,000 a monthEssential; Elite $2,000 / $10,000
- Card balance
- Up to $25,000
Top up & withdraw
SourceUphold debit card page (US) · checked November 10Top up
- Uphold balance
- Uphold help center, managing the card (limits and fees) · November 10
- USD, stablecoins, crypto or metals as the funding source
- Bank, direct deposit, PayPal, crypto
- Into the Uphold accountDeposit fees not checked
Withdraw
- To a crypto wallet
- Yes, from the Uphold account
- Cash withdrawal
- Uphold Visa Card terms and fee Schedule A (16.09.2025) · November 10
- $2.95Essential; Elite $0. Plus $1.50 outside the US
For residents of United States
Not on the list? Then Uphold Debit Card doesn't accept people living there yet.
- How they check where you live
- Valid US mailing and residential address; photo ID on request
- ID from another country
- Where you live counts, not the country of your ID
- ID accepted
- Uphold Visa Card terms and fee Schedule A (16.09.2025) · November 10
- Not published: a driver's license or other photo document may be requested; US residents only, no credit check
Trust
SourceUphold Visa Card terms and fee Schedule A (16.09.2025) · checked November 10- Card issued by
- Cross River Bank (program manager Uphold HQ Inc.)
- Licence
- Visa debit issued by Cross River Bank, Member FDIC; USD account held at Cross River Bank
- Based in
- United States
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