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Bitwala Card vs Uphold Debit Card (US)

Bitwala Card

Crypto native

7.0
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • Bitwala Card scores higher overall (7.0 vs 5.6 out of 10).
  • Bitwala Card is clearly stronger on: Availability.
  • Uphold Debit Card (US) is clearly stronger on: Fees, Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitwala Card is a good fit for

  • Stablecoin holders

Stronger on: Availability

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Fees, Product features, Limits & ATM

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
Get the card
Review & sourcesBitwala Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitwala CardUphold Debit Card (US)
Fees8899
Cashback & rewards–50
Availability1003
FX & international–40
Product features5870
Custody & security70–
Credit & financing3030
Limits & ATM6073
Transparency100100
Best for Cashbackn/a5.7
Best for Travel6.65.7
Best for DeFi Users6.25.8
Best for Stablecoins6.86.7
Best for High Spendersn/a6.0
Best for Low Fees7.68.1
Best for Beginners7.96.8

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveShow source

Card type

Debit cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Self-custodial crypto wallet; euros held in the Bitwala account

No data yet

Tiers / plans

No data yet
Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Monthly fee

FreeShow source
No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Plus shipping

$4.99Conditions apply: tap or hover for detailsShow source

Essential

Virtual card fee

€0.99Show source
No data yet

FX fee

No data yet
1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Plus €0.20 per crypto payment; euro payments free

No data yet

ATM fee

€2 + 1%Show source
$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Other fees & markups

Crypto payments €0.20 + 1% per transactionShow source
No data yet

Cashback & rewards

Base cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

Max cashback

No data yet
4%Conditions apply: tap or hover for detailsShow source

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

Cashback paid in

No data yet
XRP (or other crypto at Uphold's discretion)Show source

Cashback type

No data yet
CryptoShow source

Interest on balance

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

Max cashback per month

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

EEAShow source
United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only via Curve

YesConditions apply: tap or hover for detailsShow source

When available

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

When available

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

YesShow source
YesShow source

Spendable assets

BTC · ETH · USDC · EURShow source
No data yet

Security & custody

Regulation / licences

No data yet
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source

Annual cost at 1,500 EUR/month

Bitwala Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs−36 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Uphold Debit Card (US)

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashback+360 EUR
  • Net annual value274 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Bitwala Card comparisons

More Uphold Debit Card (US) comparisons