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Uphold Debit Card (US) vs Zypto Premium VISA Card

Uphold Debit Card (US)

Crypto native

5.6
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Zypto Premium VISA Card

Crypto native

5.8
Get the card

Verdict

  • Zypto Premium VISA Card scores higher overall (5.8 vs 5.6 out of 10).
  • Uphold Debit Card (US) is clearly stronger on: Fees, FX & international.
  • 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: Fees, FX & international

Zypto Premium VISA Card is a good fit for

  • No specific audience can be derived from the published data yet.

★ 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 CashZypto Premium VISA Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionUphold Debit Card (US)Zypto Premium VISA Card
Fees9970
Cashback & rewards50–
Availability3–
FX & international4030
Product features7070
Custody & security––
Credit & financing30–
Limits & ATM7480
Transparency100100
Best for Cashback5.7n/a
Best for Travel5.75.5
Best for DeFi Users5.8n/a
Best for Stablecoins6.7n/a
Best for High Spenders6.05.7
Best for Low Fees8.16.6
Best for Beginners6.86.9

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

Debit cardShow source
Prepaid cardShow source

Network

VisaShow source
VisaShow source

Tiers / plans

Essential (no annual fee) · Elite ($99.99/year)Show source
Virtual Premium VISA · Physical Premium VISAShow source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

No data yet

Monthly fee

No data yet
FreeShow source

Physical card fee

$4.99Conditions apply: tap or hover for detailsShow source

Essential

$50Conditions apply: tap or hover for detailsShow source

Including activation and shipping

Virtual card fee

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

$10 initial load added to the balance

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

1.75%Show source

Crypto conversion fee

No data yet
3%Conditions apply: tap or hover for detailsShow source

Crypto off-ramp fee on load

ATM fee

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

1%Conditions apply: tap or hover for detailsShow source

Physical card

Small transaction fee

No data yet
$0.30Conditions apply: tap or hover for detailsShow source

Per transaction

Cashback & rewards

Base cashback

2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

No data yet

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

No data yet

Cashback paid in

XRP (or other crypto at Uphold's discretion)Show source
No data yet

Cashback type

CryptoShow source
No data yet

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

No data yet

Max cashback per month

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

Essential; Elite $300/month

No data yet

Credit & financing

Credit line

NoShow source
No data yet

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

YesShow source

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

YesConditions apply: tap or hover for detailsShow source

Physical card

Spend stablecoins

YesShow source
No data yet

Limits

ATM limit

No data yet
$22,500Conditions apply: tap or hover for detailsShow source

Per month

Spending limit

No data yet
$1,000,000Conditions apply: tap or hover for detailsShow source

Per month, physical card; $175,000 per transaction

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

Zypto Premium VISA Card

  • Annual & monthly fees+0 EUR
  • FX costs−63 EUR
  • Crypto conversion–
  • ATM costs−12 EUR
  • Cashbackunknown
  • 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

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