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OrbitX Card vs Uphold Debit Card (US)

OrbitX Card

Crypto native

5.8
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • OrbitX Card scores higher overall (5.8 vs 5.6 out of 10).
  • Uphold Debit Card (US) is clearly stronger on: Fees, FX & international, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

OrbitX 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

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Fees, FX & international, 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
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Review & sourcesOrbitX Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionOrbitX CardUphold Debit Card (US)
Fees6999
Cashback & rewards–50
Availability–3
FX & international2040
Product features7070
Custody & security80–
Credit & financing–30
Limits & ATM4274
Transparency100100
Best for Cashbackn/a5.7
Best for Travel4.65.7
Best for Self-Custody6.8n/a
Best for DeFi Users6.55.8
Best for Stablecoins6.06.7
Best for High Spenders5.16.0
Best for Low Fees5.88.1
Best for Beginners7.26.8

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

Stablecoin cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
No data yet

Tiers / plans

Neo · LuxShow source
Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

$12/yearConditions apply: tap or hover for detailsShow source

Neo; Lux $30/year

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Physical card fee

$100Conditions apply: tap or hover for detailsShow source

Neo plastic card; Lux metal card $350 / included

$4.99Conditions apply: tap or hover for detailsShow source

Essential

Replacement fee

$100Conditions apply: tap or hover for detailsShow source

Neo $100; Lux $199 (table columns)

No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Up to 2% + up to $0.50, depending on card tier

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

up to 1%

No data yet

Crypto withdrawal fee

$2Conditions apply: tap or hover for detailsShow source

$2.00 both tiers

No data yet

ATM fee

$2 + 2%Conditions apply: tap or hover for detailsShow source

plus operator's base ATM charges

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Free ATM allowance

FreeShow source
No data yet

Other fees & markups

Authorization and settlement fees up to $0.50 per USD transaction · Returned payment fee up to $69Show 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

Minimum balance

$0Show source
No data yet

Credit & financing

Credit line

No data yet
NoShow source

Credit type

Crypto-backed creditShow source
No data yet

Collateral assets

Digital assets designated by IssuerShow source
No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

International (non-US) terms

No data yet

Grace period

Unpaid obligations trigger liquidation after one calendar day; extra grace at discretionShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesShow source
No data yet

Features

Apple Pay

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

When available

Google Pay

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

When available

Physical card

YesConditions apply: tap or hover for detailsShow source

Not included; Neo plastic $100, Lux metal

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

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

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

YesShow source
YesShow source

Spendable assets

USDT · USDCShow source
No data yet

Blockchains

Polygon · BaseConditions apply: tap or hover for detailsShow source

Solana, Tron upcoming

No data yet

Limits

ATM limit

$500Conditions apply: tap or hover for detailsShow source

Neo; Lux $1,000

No data yet

Spending limit

$50,000Conditions apply: tap or hover for detailsShow source

Neo per day; Lux unlimited

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

OrbitX Card

  • Annual & monthly fees−11 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs−45 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 OrbitX Card comparisons

    More Uphold Debit Card (US) comparisons