Uphold Card Review 2026
Last updated: by the
Last updated: by the
Uphold Card transforms 250+ assets into everyday spending power with unmatched versatility—spend from Bitcoin, Ethereum, gold, silver, or any of 250+ cryptocurrencies and fiat currencies with real-time conversion at checkout. Earn up to 6% promotional cashback in XRP (then 2-4% ongoing) with zero staking requirements, plus enjoy zero foreign transaction fees on premium tiers for global travelers. Available as Visa in the US and Mastercard in the UK, Uphold seamlessly integrates with your multi-asset portfolio allowing instant switching between crypto, precious metals, and fiat at point of sale. Perfect for US and UK residents seeking maximum asset flexibility and substantial no-stake rewards, though geographic limitations and temporary promotional rates may disappoint international users seeking permanent high cashback.
This is a Visa crypto card. This is a Mastercard crypto card. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Premium tiers: 0% foreign transaction fees |
| ATM Limit | Available at Visa/Mastercard ATMs |
| Spending Limit | Based on verification |
The Uphold Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: 250+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies
The Uphold Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With US Elite: 4% in XRP (crypto/metals funding); US Essential: 2% in XRP; UK: 1% cashback in GBP on GBP-funded purchases only. Previous 6% promo has expired for new signups. cashback on eligible purchases, the Uphold Card rewards active spenders who use the card as their daily driver.
The card is currently available in USA and UK only — ideal for residents and frequent travellers in those areas.
Compare the Uphold Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Uphold Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Uphold website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Uphold processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using 250+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your virtual Uphold Card is available immediately in the Uphold app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Available in the United States
The Uphold Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.
Commonly supported states:
