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Uphold Debit Card (US) vs XPlace Card

Uphold Debit Card (US)

Crypto native

5.6
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XPlace Card

Crypto native

6.6
Get the card

Verdict

  • XPlace Card scores higher overall (6.6 vs 5.6 out of 10).
  • Uphold Debit Card (US) is clearly stronger on: Cashback & rewards.
  • XPlace Card is clearly stronger on: Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Cashback & rewards

XPlace Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Credit & financing

★ 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
Get the card
Review & sourcesUphold Debit Card (US) vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionUphold Debit Card (US)XPlace Card
Fees99100
Cashback & rewards5036
Availability3–
FX & international40–
Product features7070
Custody & security–80
Credit & financing3075
Limits & ATM74–
Transparency100100
Best for Cashback5.75.6
Best for Travel5.7n/a
Best for Self-Custodyn/a7.3
Best for DeFi Users5.87.2
Best for Stablecoins6.77.1
Best for High Spenders6.05.8
Best for Low Fees8.18.0
Best for Beginners6.87.7
Best Crypto Credit Cardn/a7.6

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
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Debit cardShow source
Debit card, Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

No data yet
Self-custodyShow source

Card issuer / program manager

No data yet
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Essential (no annual fee) · Elite ($99.99/year)Show source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Physical card fee

$4.99Conditions apply: tap or hover for detailsShow source

Essential

No data yet

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

No data yet

ATM fee

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

No data yet

Cashback & rewards

Base cashback

2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

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

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

XRP (or other crypto at Uphold's discretion)Show source
USDCShow source

Cashback type

CryptoShow source
StablecoinShow 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

6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Max cashback per month

$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

No data yet

Cashback conditions

No data yet
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

When available

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

When available

YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

No data yet

Spend stablecoins

YesShow source
YesShow source

Airport lounge access

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

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Limits

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

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
No data yet

Annual cost at 1,500 EUR/month

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

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Uphold Debit Card (US) comparisons

More XPlace Card comparisons