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SwissBorg Card vs Uphold Debit Card (US)

SwissBorg Card

Crypto native

7.1
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Uphold Debit Card (US)

Crypto native

5.6
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Verdict

  • SwissBorg Card scores higher overall (7.1 vs 5.6 out of 10).
  • SwissBorg Card is clearly stronger on: Availability, FX & international.
  • Uphold Debit Card (US) is clearly stronger on: Fees, Product features, Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

SwissBorg Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Availability, FX & international

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

Stronger on: Fees, Product features, Limits & ATM

★ 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
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Review & sourcesSwissBorg Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionSwissBorg CardUphold Debit Card (US)
Fees8899
Cashback & rewards–50
Availability1003
FX & international10040
Product features4770
Custody & security60–
Credit & financing3030
Limits & ATM2073
Transparency100100
Best for Cashback6.55.7
Best for Travel7.65.7
Best for DeFi Users6.05.8
Best for Stablecoins7.66.7
Best for High Spenders6.16.0
Best for Low Fees8.38.1
Best for Beginners7.56.8

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

Debit cardShow source
Debit cardShow source

Network

MastercardShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends crypto balances held in the SwissBorg app

No data yet

Card issuer / program manager

UAB Monavate (Bank of Lithuania); app operated by BlockNodes SAS (MiCA licence A2026-011, France)Show source
No data yet

Tiers / plans

No data yet
Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Monthly fee

FreeShow source
No data yet

Physical card fee

No data yet
$4.99Conditions apply: tap or hover for detailsShow source

Essential

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Mastercard exchange rate; SwissBorg adds no FX fee (the crypto exchange fee still applies)

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

Crypto conversion fee

0.99%Conditions apply: tap or hover for detailsShow source

Exchange fee for every loyalty rank; a real-time market-liquidity adjustment may be added

No data yet

ATM fee

No data yet
$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

Other fees & markups

Real-time market-liquidity adjustment may be applied to the conversion price · Third parties such as Apple/Google Pay, Curve or PayPal may charge additional feesShow source
No data yet

Cashback & rewards

Base cashback

No data yet
2%Conditions apply: tap or hover for detailsShow source

Essential, paid in XRP

Max cashback

No data yet
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

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

Cashback type

Platform tokenShow source
CryptoShow source

Interest on balance

No data yet
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

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

Cashback conditions

Cashback is a share of the 0.99% exchange fee: up to 5% (Standard) to up to 99% (Elite top 10) depending on the loyalty rank · BORG rewards are locked for a period (Paid to Trade programme) · Cashback is not guaranteed and can be changed or stopped at any timeShow source
No data yet

Reward expiry / vesting

BORG cashback is locked for a certain periodShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

United Kingdom, Switzerland, Austria, Belgium, Cyprus, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, SwedenShow source
United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

Account / spend currencies

EUR · CHF · GBPConditions apply: tap or hover for detailsShow source

Base currency set by country of residence

No data yet

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

Initially in Switzerland and France only

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

NoConditions apply: tap or hover for detailsShow source

May follow later

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

NoShow source
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

YesShow source
YesShow source

Spendable assets

USDC · BTC · ETH · SOL · BORG · USDG · EUROP · TGBPShow source
No data yet

Security & custody

Regulation / licences

No data yet
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

SwissBorg Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • 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

More SwissBorg Card comparisons

More Uphold Debit Card (US) comparisons