Bitrefill Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Bitrefill Card scores higher overall (6.7 vs 5.6 out of 10).
- Bitrefill Card is clearly stronger on: Availability.
- Uphold Debit Card (US) is clearly stronger on: Cashback & rewards.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitrefill Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Availability
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards
★ 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 | Bitrefill Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 24 | 50 |
| Availability | 97 | 3 |
| FX & international | – | 40 |
| Product features | 70 | 70 |
| Custody & security | 70 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | – | 73 |
| Transparency | 100 | 100 |
| Best for Cashback | 5.3 | 5.7 |
| Best for Travel | 6.4 | 5.7 |
| Best for DeFi Users | 6.0 | 5.8 |
| Best for Stablecoins | n/a | 6.7 |
| Best for High Spenders | 4.8 | 6.0 |
| Best for Low Fees | 8.0 | 8.1 |
| Best for Beginners | 8.1 | 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 cardConditions apply: tap or hover for detailsShow source
Funded by crypto deposits converted to euros
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Crypto stays in your own wallet until deposited; card balance in euros held by the card partner
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
FreeShow source
Physical card fee
FreeShow source
$4.99Conditions apply: tap or hover for detailsShow source
Essential
Virtual card fee
FreeShow source
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
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
SEPA withdrawal of the card balance to your bank account
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
Max cashback
2%Conditions apply: tap or hover for detailsShow source
1% on crypto deposits plus 1% on purchases
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
EUR store credit on BitrefillShow source
XRP (or other crypto at Uphold's discretion)Show source
Cashback type
FiatConditions apply: tap or hover for detailsShow source
Store credit for gift cards and eSIMs
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
Cashback conditions
No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
Reward exclusions
Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
Credit & financing
Credit line
NoShow source
NoShow source
Availability
Available in
Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source
Not for US or Russian citizens regardless of residency
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
Account / spend currencies
EURShow source
Features
Apple Pay
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
Bitrefill Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 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