Does Uphold Debit Card (US) have an annual or monthly fee?

Base tier: Free (Essential; Elite $99.99/year). Source: Introducing the Uphold Debit Card.

What is the FX fee of Uphold Debit Card (US)?

1.5% (Essential; Elite has no foreign transaction fees). Source: Introducing the Uphold Debit Card.

How much cashback does Uphold Debit Card (US) pay?

Base rate: 2% (Essential, paid in XRP). Highest advertised rate: 4% (Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins). Paid in XRP (or other crypto at Uphold's discretion).

Is Uphold Debit Card (US) a credit card?

No. It is a debit card; you spend your own balance.

Where is Uphold Debit Card (US) available?

United States (Not in Louisiana, New York or US territories).

Uphold Debit Card (US)

by Uphold

Crypto nativeDebit card

Initial research 22 October 2026 · not yet verified

5.3

Provisional

Get the card

US debit card from the Uphold platform, offered as Essential (no annual fee) and Elite ($99.99/year). Rewards are paid in XRP and capped monthly.

Cashback5.4Travel5.4DeFi users5.5High spenders5.7Low fees7.8Beginners6.0

Key stats

Base cashback: 2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Max cashback: 4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Base fee: Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee: 1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM fee: $2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card fee: $4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit line: NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Staking for top rewards: No data yet

Tap a value for its source, retrieval date and confidence. * = conditions apply.

Pros

No annual or monthly fee on the base tier
2% base cashback in XRP (or other crypto at Uphold's discretion)

Cons

FX fee up to 1.5%
Top rate of 4% only with conditions — Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
ATM fee $2.95
US residents only

Who is it for?

Everyday spenders who want cashback

Who should avoid it?

Anyone living outside the United States
Frequent travellers paying in foreign currencies

Fees

Annual fee: Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $99.99/year
Physical card fee: $4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential
FX fee: 1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no foreign transaction fees
ATM fee: $2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no ATM fees

Not yet researched: Monthly fee, Virtual card fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.

Cashback & rewards

Base cashback: 2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential, paid in XRP
Max cashback: 4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in: XRP (or other crypto at Uphold's discretion)Show source
Cashback paid in: XRP (or other crypto at Uphold's discretion)
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type: CryptoShow source
Cashback type: Crypto
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Max cashback per month: $120/month*Show source
Max cashback per month: $120/month
Essential; Elite $300/month
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $300/month

Not yet researched: Cashback-eligible spend cap, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.

Credit & financing

Credit line: NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.

Supported countries & currencies

Available in: United States*Show source
Available in: United States
Not in Louisiana, New York or US territories
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not in Louisiana, New York or US territories

Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.

Features, wallets & supported assets

No features data published or researched yet.

Security & custody

No security & custody data published or researched yet.

Limits

No limits data published or researched yet.

Product

Product status: ActiveShow source
Product status: Active
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type: Debit cardShow source
Card type: Debit card
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)Show source
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%

Not yet researched: Network, Custody model, Launch date, Card issuer / program manager.

Our rating

Criterion	Weight	Score
Fees Base-tier subscription ≈ €0/year	20%	99
Cashback & rewards	20%	47
Availability 1 of 60 tracked countries	15%	3
FX & international FX fee 1.5%	10%	40
Product features	10%	No data — excluded
Custody & security	10%	No data — excluded
Credit & financing No credit line	5%	30
Limits & ATM ATM cost on €200 ≈ 1.3%	5%	74
Transparency 6 of 6 checked key terms disclosed · 2 contradiction(s) between official sources	5%	86

Data coverage 80%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.

Scores are computed by a deterministic algorithm. Affiliate relationships and sponsored placements have no influence. How we score

FAQ

Does Uphold Debit Card (US) have an annual or monthly fee?: Base tier: Free (Essential; Elite $99.99/year). Source: Introducing the Uphold Debit Card.
What is the FX fee of Uphold Debit Card (US)?: 1.5% (Essential; Elite has no foreign transaction fees). Source: Introducing the Uphold Debit Card.
How much cashback does Uphold Debit Card (US) pay?: Base rate: 2% (Essential, paid in XRP). Highest advertised rate: 4% (Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins). Paid in XRP (or other crypto at Uphold's discretion).
Is Uphold Debit Card (US) a credit card?: No. It is a debit card; you spend your own balance.
Where is Uphold Debit Card (US) available?: United States (Not in Louisiana, New York or US territories).

Change history

Product status recorded · 22 October 2026 · auto-approved
Card type recorded · 22 October 2026 · auto-approved
Tiers / plans recorded · 22 October 2026 · auto-approved
Annual fee recorded · 22 October 2026 · auto-approved
Physical card fee recorded · 22 October 2026 · auto-approved
FX fee recorded · 22 October 2026 · auto-approved
ATM fee recorded · 22 October 2026 · auto-approved
Base cashback recorded · 22 October 2026 · auto-approved
Max cashback recorded · 22 October 2026 · auto-approved
Max cashback per month recorded · 22 October 2026 · auto-approved
Cashback paid in recorded · 22 October 2026 · auto-approved
Cashback type recorded · 22 October 2026 · auto-approved
Credit line recorded · 22 October 2026 · auto-approved
Available in recorded · 22 October 2026 · auto-approved