Ripio Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Ripio Card scores higher overall (5.8 vs 5.6 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Ripio Card is a good fit for
- Everyday spenders who want cashback
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
★ 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 | Ripio Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 47 | 50 |
| Availability | 7 | 3 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | – |
| Credit & financing | – | 30 |
| Limits & ATM | – | 74 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.6 | 5.7 |
| Best for Travel | 5.7 | 5.7 |
| Best for DeFi Users | 6.4 | 5.8 |
| Best for Stablecoins | n/a | 6.7 |
| Best for High Spenders | 6.0 | 6.0 |
| Best for Low Fees | 8.0 | 8.1 |
| Best for Beginners | 6.9 | 6.8 |
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
Prepaid cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialShow source
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Essential; Elite $99.99/year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
No maintenance cost
Physical card fee
FreeShow source
$4.99Conditions apply: tap or hover for detailsShow source
Essential
FX fee
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
Paying with crypto; 0.5% paying with ARS
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
Max cashback
4%Conditions apply: tap or hover for detailsShow source
New card users, first 30 days, paying with crypto
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
USDT, BTC or ETHShow source
XRP (or other crypto at Uphold's discretion)Show source
Cashback type
CryptoShow source
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
$120/monthConditions apply: tap or hover for detailsShow source
Essential; Elite $300/month
Credit & financing
Credit line
NoShow source
Availability
Available in
Argentina, BrazilConditions apply: tap or hover for detailsShow source
Footer statement, may refer to Ripio products generally
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
Features
Apple Pay
YesShow source
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
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
Ripio Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 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