MiniPay Card vs Uphold Debit Card
MiniPay CardLower cost at your spend, more cashback, cheaper abroad.
Uphold Debit CardBank top-ups, physical card, better-rated app.
Side by side
Money
SourceOpera press release, MiniPay launches Visa debit card (23.06.2026) · checked November 10SourceUphold Visa Card terms and fee Schedule A (16.09.2025) · checked November 10- A year at $500/mo
- Earn up to/yr★
- Costs/yr
- Cashback a year
- +$300★
- +$60
- Cashback rate
- Up to 5%, max $100/mo
- 1% in XRP, 3–4% on Elite
- Paying in another currency
- No MiniPay fee, Visa rate★
- $1.50 per purchase
- Virtual card
- Free to activate
- Free
- Physical card
- Not offered
- $4.99
- Cash withdrawal
- No ATM
- $2.95
Getting it
SourceMiniPay FAQ · checked November 10SourceUphold Visa Card terms and fee Schedule A (16.09.2025) · checked November 10- For residents of
- Not published
- 1 countries
- ID from another country
- Not published
- Where you live counts, not the country of your ID
- ID accepted
- Not published (identity check guided in the app, onboarding shows in the card tab if your country is supported)
- Not published: a driver's license or other photo document may be requested; US residents only, no credit check
- Sign-up
- ID check in the app, by country
- Uphold account + ID
- Top up from a bank
- Crypto only
- Yes★
Using it
SourceMiniPay virtual card page · checked November 10SourceUphold debit card page (US) · checked November 10- Pays in
- Anywhere Visa works, 175M+ merchants
- Anywhere Visa works, online and in person
- Spending per day
- Not published
- Not published
- Physical card
- No
- Yes★
- Your money
- You hold it
- Company holds it
- App Store rating
- 4.6 / 5
- 4.7 / 5★
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: MiniPay Card, Uphold Debit Card.
