Uphold debit card lets you spend crypto and traditional currencies directly from your Uphold account. Earn up to 6% back in the crypto of your choice from 200+ supported assets.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 6%, in crypto of choice, paid in BTC, ETH, XRP or 200+ assets. No staking required for the base rate.
PLANS & TIERS
Compare the plans
This card has 2 plans. Select one to see its rate, fees and perks.
Essential
Requirement: No requirement
2%
Cashback
PRICE
Free
ATM FEE
$2.50 per ATM withdrawal
FX FEE
Applies (varies)
WHAT'S INCLUDED
✓2% cashback in XRP on eligible purchases (capped at $120/month)
✓Spend from 200+ crypto, fiat, and metal assets
✓Apple Pay & Google Pay
✓$2,500 daily spending limit (US)
✓No annual fee
Plan
Essential
Elite
Cashback
2%
4%
Price
Free
$99.99/year
ATM fee
$2.50 per ATM withdrawal
Free
FX fee
Applies (varies)
0%
Requirement
No requirement
$99.99 annual subscription
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free (Essential) / $99.99/yr (Elite)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
Free (Elite), fee applies (Essential)
ATM withdrawal
Cash withdrawal cost
$2.50/withdrawal (Essential); Free (Elite)
Crypto conversion
When spending crypto directly
~0.17% spread
Issuance fee
One-off cost to get the card
Free
ℹ️ In crypto of choice
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓Up to 6% cashback
✓200+ reward asset choices
✓No annual or FX fees
✓Apple Pay and Google Pay
✓US and EU
LOOK ELSEWHERE IF
!Custodial model
!Higher cashback needs higher balance
STANDOUT FEATURES
What sets it apart
✦Choose rewards from 200+ supported assets
✦Instant conversion at point of sale
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ No staking
ABOUT THIS CARD
Common questions
Where can I use the Uphold Card?
+
Does the Uphold Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the Uphold Card?
+
Does it work with Apple Pay and Google Pay?
+
Figures on this page come from Uphold's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
UPHOLD
Up to 6%
No annual fee · Free (Elite), fee applies (Essential) FX
