Uphold Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(25661 reviews)Independently reviewed by Mihail B. · how we verify
Get Uphold CardCard Overview
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 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.
Sweepbase verdict: Uphold Card earns its ranking here for its up to 4% cashback rewards and zero upfront and ongoing fees, making it a good match for active spenders looking to earn crypto rewards on everyday purchases. The main thing to weigh is limited geographic availability.
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.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Premium tiers: 0% foreign transaction fees |
| ATM Limit | $500/day (Essential), $2000/day (Elite); $2.95 fee (free for Elite) |
| Spending Limit | Based on verification |
These figures can change. Confirm the current fees, FX and network in Uphold’s official terms before you apply.
Features
- Welcome Bonus: Up to 6% bonus
- Card Type: Virtual + Physical
- Top up with: 250+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies
- Available Countries: United States (48 states + District of Columbia; excludes New York Louisiana Puerto Rico Guam US Virgin Islands), United Kingdom (excludes Jersey Guernsey Isle of Man British Overseas Territories)
Banking & Fiat Rails
vIBAN for EUR deposits; SEPA yes (free withdrawals); SWIFT not disclosed
Supported Cryptocurrencies
You can load the Uphold Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: 300+ assets via Uphold wallet; crypto deposits supported (networks vary by asset)
Supported assets: 250+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies
Who Is the Uphold Card Best For?
The Uphold Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Uphold Card pays 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, so it works well as a daily spending card.
The card is currently available in USA and UK only, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 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
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Uphold Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- 250+ asset support (crypto, metals, fiat); up to 6% XRP cashback with no staking; zero foreign transaction fees (premium tiers)
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Virtual card ready right away, no shipping wait
- Welcome bonus: Up to 6% bonus
Cons
- US/UK only; promotional 6% cashback temporary; merchant exclusions reduce rewards; fully custodial
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Uphold Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Uphold account
~5 minutesGo to the Uphold website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Uphold verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with 250+ assets: cryptocurrencies, precious metals (gold, silver), fiat currencies through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Uphold Card shows up in the Uphold app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available in the United States
The Uphold Card is for US residents. Availability can vary by state because of money-transmission licensing. Check the issuer's site for your state.
Commonly supported states:
Frequently Asked Questions
Similar Cards Worth Comparing
