savebackcards.com
DEEN

Uphold Debit Card (US) vs Zoomex Card

Uphold Debit Card (US)

Crypto native

5.6
Get the card
Zoomex Card

Crypto native

5.2
Get the card

Verdict

  • Uphold Debit Card (US) scores higher overall (5.6 vs 5.2 out of 10).
  • Uphold Debit Card (US) is clearly stronger on: Fees, Cashback & rewards, FX & international, Product features.
  • 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, Cashback & rewards, FX & international, Product features

Zoomex Card is a good fit for

  • Stablecoin holders

★ 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 CashZoomex Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionUphold Debit Card (US)Zoomex Card
Fees9988
Cashback & rewards5021
Availability3–
FX & international4020
Product features7056
Custody & security–60
Credit & financing3030
Limits & ATM74–
Transparency100100
Best for Cashback5.74.3
Best for Travel5.74.5
Best for DeFi Users5.85.1
Best for Stablecoins6.75.5
Best for High Spenders6.04.0
Best for Low Fees8.16.7
Best for Beginners6.86.7

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 cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Network

VisaShow source
No data yet

Custody model

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

Fiat held by UR (SR Saphirstein AG)

Card issuer / program manager

No data yet
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Tiers / plans

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

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

FreeShow source

Physical card fee

$4.99Conditions apply: tap or hover for detailsShow source

Essential

No data yet

Virtual card fee

No data yet
FreeShow source

FX fee

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

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

1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

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

1%Show source

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

Cashback conditions

No data yet
Sign-up reward: spend $5, get $10Show source

Credit & financing

Credit line

NoShow source
NoShow source

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · JPY · SGD · HKDShow source

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

NoConditions apply: tap or hover for detailsShow source

Initial version is virtual only

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
YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

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

Zoomex Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 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 Zoomex Card comparisons