Mine Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Mine Card scores higher overall (6.1 vs 5.3 out of 10).
- Uphold Debit Card (US) is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Mine Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Uphold Debit Card (US) is a good fit for
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
Score by criterion
| Criterion | Mine Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 99 | 99 |
| Cashback & rewards | 2 | 47 |
| Availability | – | 3 |
| FX & international | – | 40 |
| Product features | 100 | – |
| Custody & security | 95 | – |
| Credit & financing | – | 30 |
| Limits & ATM | – | 74 |
| Transparency | 79 | 86 |
| Best for Cashback | 3.9 | 5.4 |
| Best for Travel | n/a | 5.4 |
| Best for Self-Custody | 7.7 | n/a |
| Best for DeFi Users | 6.8 | 5.5 |
| Best for Stablecoins | 6.7 | n/a |
| Best for High Spenders | 4.2 | 5.7 |
| Best for Low Fees | 7.6 | 7.8 |
| Best for Beginners | 7.8 | 6.0 |
Product
Product status
Active*Show source
Product status: Active
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Invite-only: sign-up needs a code from an existing member (or the higher no-code price)
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
Stablecoin card*Show source
Card type: Stablecoin card
Spends from your USDC balance, converted at purchase
Source states (paraphrased): Mine converts from your USDC balance at the moment of purchase, at a rate you can see.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spends from your USDC balance, converted at purchase
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%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): It’s a Mastercard issued by Unblock Atomo SARL in the EEA.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Custody model
Self-custodyShow source
Custody model: Self-custody
Source states (paraphrased): Mine never custodies your funds.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, SwitzerlandShow source
Card issuer / program manager: Unblock Atomo SARL (EEA e-money institution, Luxembourg); app operated by EMM Ventures AG, Switzerland
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Basic · Premium*Show source
Tiers / plans: Basic · Premium
Metal and Private announced, no price yet
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal and Private announced, no price yet
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%
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
Monthly fee
Free*Show source
Monthly fee: Free
Basic and Premium are one-off fees, no subscription
Source states (paraphrased): one-off, no subscription
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic and Premium are one-off fees, no subscription
Physical card fee
$124*Show source
Physical card fee: $124
Premium tier (physical + virtual card), one-off; $99 with an invite code
Source states (paraphrased): Premium is $124 one-off, 20% off with a code.
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier (physical + virtual card), one-off; $99 with an invite code
$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
Virtual card fee
$5*Show source
Virtual card fee: $5
One-off; free with an invite code
Source states (paraphrased): The Virtual card is free with a valid code, otherwise $5 one-off
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
One-off; free with an invite code
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
Top-up fee
FreeShow source
Top-up fee: Free
Source states (paraphrased): Card top-up fee 0%
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
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%
Essential; Elite has no ATM fees
Other fees & markups
CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the appShow source
Other fees & markups: CHF/EUR → USDC conversion: first 500 free (lifetime allowance), afterwards priced in the app
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback & rewards
Base cashback
0%*Show source
Base cashback: 0%
Basic tier has no cashback; Premium 0.5% in USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Basic tier has no cashback; Premium 0.5% in USDC
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
0.5%*Show source
Max cashback: 0.5%
Premium tier; 'boosted cashback' announced for Metal
Source states (paraphrased): Cashback 0.5% USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier; 'boosted cashback' announced for Metal
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
USDCShow source
Cashback paid in: USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
StablecoinShow source
Cashback type: Stablecoin
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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%
Availability
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
Account / spend currencies
CHF · EUR · USDCShow source
Account / spend currencies: CHF · EUR · USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
CHF and EUR IBAN in your own name; incoming money settles as USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
CHF and EUR IBAN in your own name; incoming money settles as USDC
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay from day one
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay from day one
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card
Yes*Show source
Physical card: Yes
Premium tier
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium tier
Virtual card
YesShow source
Virtual card: Yes
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spendable assets
USDCShow source
Spendable assets: USDC
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Limits
Spending limit
$100,000*Show source
Spending limit: $100,000
Per month, Basic; Premium $1,000,000
Source states (paraphrased): Monthly limit $100,000
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Per month, Basic; Premium $1,000,000
Security & custody
Regulation / licences
Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, SwitzerlandShow source
Regulation / licences: Card issued by Unblock Atomo SARL, EEA-licensed e-money institution (Luxembourg) · Operated by EMM Ventures AG, Switzerland
Source: Mine. Your IBAN. Your keys. CHF & EUR to USDC.
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
Mine Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- 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