DeCard Luminaries vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- DeCard Luminaries scores higher overall (5.7 vs 5.6 out of 10).
- DeCard Luminaries is clearly stronger on: FX & international, Product features, Credit & financing.
- Uphold Debit Card (US) is clearly stronger on: Fees, Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
DeCard Luminaries is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: FX & international, Product features, Credit & financing
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | DeCard Luminaries | Uphold Debit Card (US) |
|---|---|---|
| Fees | 31 | 99 |
| Cashback & rewards | 40 | 50 |
| Availability | – | 3 |
| FX & international | 100 | 40 |
| Product features | 90 | 70 |
| Custody & security | – | – |
| Credit & financing | 70 | 30 |
| Limits & ATM | – | 74 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.9 | 5.7 |
| Best for Travel | 7.0 | 5.7 |
| Best for DeFi Users | 5.7 | 5.8 |
| Best for Stablecoins | 6.3 | 6.7 |
| Best for High Spenders | 5.7 | 6.0 |
| Best for Low Fees | 6.2 | 8.1 |
| Best for Beginners | 6.6 | 6.8 |
| Best Crypto Credit Card | 6.1 | n/a |
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
Network
VisaShow source
VisaShow source
Card issuer / program manager
DCSShow source
Tiers / plans
DeCard One · DeCard LuminariesShow source
Essential (no annual fee) · Elite ($99.99/year)Show source
Fees
Annual fee
$388/yearConditions apply: tap or hover for detailsShow source
Luminaries, charged in SGD; DeCard One has no annual fee
FreeConditions apply: tap or hover for detailsShow source
Essential; Elite $99.99/year
Physical card fee
$4.99Conditions apply: tap or hover for detailsShow source
Essential
FX fee
0%Conditions apply: tap or hover for detailsShow source
Luminaries
1.5%Conditions apply: tap or hover for detailsShow source
Essential; Elite has no foreign transaction fees
ATM fee
$2.95Conditions apply: tap or hover for detailsShow source
Essential; Elite has no ATM fees
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
Max cashback
10%Show source
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
XRP (or other crypto at Uphold's discretion)Show source
Cashback type
CryptoShow source
Interest on balance
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
$200/monthConditions apply: tap or hover for detailsShow source
Per month
$120/monthConditions apply: tap or hover for detailsShow source
Essential; Elite $300/month
Credit & financing
Credit line
YesShow source
NoShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
Account / spend currencies
SGDShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
When available
Google Pay
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
YesConditions apply: tap or hover for detailsShow source
Essential: $2.95 per withdrawal; Elite: $0
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
YesConditions apply: tap or hover for detailsShow source
Two complimentary DragonPass visits
Travel / rental car insurance
YesConditions apply: tap or hover for detailsShow source
Travel accident up to US$1 million; airfare charged to card
Security & custody
Regulation / licences
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
DeCard Luminaries
- Annual & monthly fees−347 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- 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