RedotPay vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- RedotPay scores higher overall (6.2 vs 5.3 out of 10).
- RedotPay is clearly stronger on: FX & international.
- Uphold Debit Card (US) is clearly stronger on: Fees, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
RedotPay is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: FX & international
Uphold Debit Card (US) is a good fit for
- Everyday spenders who want cashback
Stronger on: Fees, Limits & ATM
Score by criterion
| Criterion | RedotPay | Uphold Debit Card (US) |
|---|---|---|
| Fees | 73 | 99 |
| Cashback & rewards | – | 47 |
| Availability | – | 3 |
| FX & international | 52 | 40 |
| Product features | 100 | – |
| Custody & security | – | – |
| Credit & financing | – | 30 |
| Limits & ATM | 60 | 74 |
| Transparency | 93 | 86 |
| Best for Cashback | n/a | 5.4 |
| Best for Travel | 6.3 | 5.4 |
| Best for DeFi Users | n/a | 5.5 |
| Best for High Spenders | 5.9 | 5.7 |
| Best for Low Fees | 6.9 | 7.8 |
| Best for Beginners | 7.6 | 6.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: RedotPay Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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%
Network
VisaShow source
Network: Visa
Source: RedotPay Crypto Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Standard · Pro ($12.90/month or $129/year)Show source
Tiers / plans: Standard · Pro ($12.90/month or $129/year)
Source: Getting Started with RedotPay Pro
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
Physical card fee
$100Show source
Physical card fee: $100
Source states (paraphrased): Physical card: 100 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
$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
$10Show source
Virtual card fee: $10
Source states (paraphrased): Virtual card: 10 USD.
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
FX fee
1.2%*Show source
FX fee: 1.2%
Spending in a currency other than the card currency
Source states (paraphrased): Transaction in another currency: 1.2%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Spending in a currency other than the card currency
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
Crypto conversion fee
1%Show source
Crypto conversion fee: 1%
Source states (paraphrased): Crypto conversion costs 1%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM fee
2%*Show source
ATM fee: 2%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
Source states (paraphrased): ATM withdrawals on a USD card cost 2% up to $10,000 a month, then 3%.
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees
$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
1.5% fee (min. $0.50) at certain merchants; up to three waivers per card per monthShow source
Other fees & markups: 1.5% fee (min. $0.50) at certain merchants; up to three waivers per card per month
Source: Select Merchant Transaction Fee Rules
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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
Features
Physical card
Yes*Show source
Physical card: Yes
Not available in every country
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not available in every country
Virtual card
YesShow source
Virtual card: Yes
Source: Are There Any Fees for Getting a Card?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source: Can I Withdraw Cash from an ATM, and Are There Any Fees?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Annual cost at 1,500 EUR/month
RedotPay
- Annual & monthly feesunknown
- FX costs−43 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−31 EUR
- Cashback+360 EUR
- Net annual value275 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers